Want Cheap Auto Insurance? Here's How to Get It
Want Cheap Auto Insurance? Here's How to Get It
Don't Wreck or Speed - If this is something you've already done within the past five years, then it's too late. However, you should always keep this very important tip in mind. If it's been more than five years, it won't count against you. Individuals who have wrecks and speeding tickets on their driving record will end up paying a lot more for their car insurance policy.
Purchase a Car With Safety Features - If you have safety features on your vehicle, you pay a lower monthly premium. If you don't currently have any safety features, it's never to late to add them. Some of the safety features to install on your features if you don't already have them include a self-navigation system (perfect for locating nearby gas stations, hospitals, car shops, etc.) side-impact airbags, stability control, anti-lock braking system, and rear-parking sensors. Make sure to let your customer service representative know that you have safety features so that you can take advantage of the discount.
Lock Your Car in a Garage - A car that is extra-protected is considered safer than one that isn't, thus decreasing the risk for auto accidents. If you want cheap auto insurance, it's best to do as much as you can in order to keep your car out of harm's way. Parking your car in a garage or under a shed when you are not using it is an effective way to keep it safe and to receive a lower monthly premium.
Stay Away From Luxury Vehicles - Let's say you already own a luxury vehicle. If so, then you realize you'll pay more because the vehicle is obviously worth more, thus costing even more to repair in the event that an accident occurs. Your best bet for cheap car insurance is a relatively inexpensive family vehicle cram-packed full of safety features.
Shop Around - This one is obvious. Finding the best deal on vehicle insurance is only made possible when you shop around. As long as you follow the tips listed above, you're going to end up with a low price either way. However, depending on who you purchase your policy from, you could end up paying $20.00 more per month or $20.00 less.
The only downside is that not everyone is eligible for cheap auto insurance. If you have a DUI or an recent auto accident, you may end up paying anywhere from $200.00 to $300.00 or more per month for your policy. The upside is that if you can find a low-cost vehicle with loads of safety features and maintain a clean driving record, you're guaranteed to end up with the best deals possible.