Cheap Auto Insurance Money Saving Tips

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Here are some tips which make getting cheap auto insurance easier.

Consider raising the amount of your deductible. Your "deductible" is the amount that you have to pay when you make a claim before your insurance coverage "begins". For instance, if you have a $200 deductible and a $1,800 claim, you'll pay the first $200 and your insurance carrier pays the next $1,600. The drawback of course to raising your deductible amount is that when you do make a claim, you'll have to pay more. The advantage to you of raising your deductible is that your insurance premium will go down by as much as 20% to 30% on the comprehensive and collision coverage part of your policy. In this way, safe drivers can save a pretty considerable amount of money.

Safer cars have lower rates. Get lower premiums by buying and driving a safer car. Research and find the safest cars here.

Take advantage of low-mileage use discounts offered by some insurance companies. Some cheap auto insurance companies give lower rates to people who drive less than a pre-determined number of miles each year.

Drop the comprehensive and/or collision coverage on older vehicles. Sometimes it's just not worth paying for these types of coverage if your car is not worth that much. The amount you pay for the deductible and the cost of your premium may add up to be more than the value of the car. One handy rule of thumb is that if a car is worth less than $1000, drop these coverages altogether. The Kelley blue book can help you determine the value of your vehicle.

There are many factors that affect car insurance premiums, just some of which you can control. Beginning with the ones you can't control, know that demographics count. Men pay more than women and the middle-aged pay less than the younger or the older (ages 25 and 56 seem to be significant landmark ages). If you want to decrease your rates, it certainly helps to move to a better neighborhood (less theft and/or traffic congestion) or get married (only responsible people tie the knot, right?), but those endeavors come with their own costs.


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