Insurance Advice | Insurance Guide

Are you looking for cheap auto insurance? Here are often-missed savings tips…

1. You will get discounts with many insurers for being part of an auto club. Even if this discount is quite little it’s still something.

2. Being part of associations, especially the big ones, will get you discounts on your auto insurance. It makes sense for an auto insurer to give group discounts to an association that has a large membership. Bearing this in mind, you’ll do well to see if there are good discounts with any association you’re part of.

3. You can get a considerable discount if your child does not use the car for a considerable period because he/she is away at school. Take advantage of this if your child is in college. Just note that not all insurers offer this discount.

4. There are vehicles that cost far more to insure. It will do you a world of good if you ask your agent before choosing your next car. A car of comparable specification that has a poor crash rating and higher theft rate will be more expensive to insure.

Also, vehicles that typically cost more to repair also cost more to insure. Asking the right questions will make it easy for you to avoid the “wrong” car and enjoy lower rates.

5. Join a car pool if it makes sense in your situation and you’ll be eligible for a discount. The simple reason for this is that it reduces your mileage. And, the less your mileage, the better risk you are to an insurer.

6. Check if there is a group discount for company if it’s a large one. Group discounts are given by insurance companies as an incentive to members of an association to buy policies from them. That would save them on customer acquisition.

7. Those who live in crowded areas are more likely to have one form of car accident or another when compared to people who live in rural sparsely populated areas. It makes sense to live in a less congested area if it fits your circumstance because the risk of vandalism, theft or collision is far less.

8. A careful review of your policy could show you a few places you are throwing away money. Change is inevitable and happens without our permission but then we must NOT pay for things that such changes has relieved us of. How about removing your just-wedded daughter from your policy?

There are discounts you might have qualified for. It might also no longer be in your best interest to retain certain coverage types. It would, therefore, do you a world of good to review your policy yearly or twice yearly. Finding even one thing that you no longer need on your policy and dropping it will save you something reasonable.

9. For no reason should you let your policy to lapse. It will sentence you to expensive premiums for a long time. It’s easy for this to happen to many people while they are switching to another insurer.

To avoid a lapse, wait until the new policy is fully in in force before you terminate the old. It appear to be simple but, take it or leave it, many people are paying higher rates today just because they were negligent in this. Therefore, make sure you don’t become one of them.

10. Is it possible you have a car that you’ve not used for a long while? Do you have a broken car? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don’t make this mistake.

11. You’ll save much if you do shop around and do detailed comparison. The the difference in quotes presented per request could be as wide as $1,000 for a given person. Notwithstanding that this is a good thing, it’s advisable that you don’t get too excited yet. It’s not normally that easy if you want the best price to value ratio.

The lowest quote may not give you the best price/value. Although each of the quotes offered will definitely give you the same basic coverage, there could be a number of differences in the details of coverage. This makes it imperative that you find out if there aren’t any exclusions you won’t like.

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