[The following is a guest post on behalf of Money Supermarket]
Car insurance is a major financial burden for Americans across the country and in the current economic climate many of us are looking to save a few dollars whenever and wherever possible. The good news for cash-strapped vehicle owners is that getting cheap car insurance can be achieved by acting on the following tips.
9 Ways To Find Cheap Car Insurance
Need Cheap Car Insurance? Buy A Cheaper Car
First up, it almost goes without saying that buying a lower-value motor will mean paying less to get it covered. Check roughly what it’ll cost you to insure a particular car before you hand over your hard-earned dollars to the dealer.
So when the question comes up, “Should I sell my car or fix it?”, make sure you keep care insurance costs in mind.
Another basic point to consider is that you can reduce the likelihood of being involved in a crash by being sensible at the wheel. Stick to speed limits and stay on the right side of the law at all times and hopefully you’ll never need to make an insurance claim, which will force up the cost of your premiums in the future.
When the time comes to renew or start an insurance policy, approach as many companies as possible and obtain a wide range of quotes to ensure you get value for money.
Make Your Vehicle Safer
Auto thefts in the US, according to recent reports, may be down to their lowest levels in over 40 years, but that doesn’t mean you should get complacent. Get an anti-theft device fitted and never leave valuables that might attract unwanted attention to your vehicle.
Park Off Road
Where you park your car, day and night, can have a big impact on the cost of insurance. Park your pride and joy either on your drive or in your garage, if applicable, as it’s much safer than leaving it on the side of the road where other motorists could feasibly come into contact with it.
Only Claim If Necessary
Lodging a car insurance claim will obviously have an impact on the cost of getting covered in the future, so think carefully about whether or not it’s in your best interest to do so.
Lower Your Mileage
Some insurers could offer you financial incentives for dropping your annual mileage. If you can reduce the amount of time you’re out and about in your car than you’ll also pay less in gasoline and general garage bills.
Pay A Higher Deductible
Raising your deductible will result in instant savings, but don’t agree to pay for something you can’t realistically afford if the worst-case scenario becomes a reality.
Talk To Your Agent
If you’re a long-time customer with a particularly company then you should be eligible to take advantage of lower premiums. You may also be able to take out a multi-car policy if this is relevant to your circumstances and ask if there are any discounts available for having homeowners insurance and car insurance with the same company.
photo by graur razvan ionut
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