Car is certainly a necessity in today’s world. But purchasing and maintaining a car is getting expensive by the day. Rising car prices, traffic congestion and soaring fuel prices all have contributed to making car maintenance burdensome. Added factor is that of car insurance. But car insurance is not a fixed cost, nor is this a factor beyond your control. So follow some simple steps to get really cheap auto insurance.
List all the drivers driving your car:
Insuring a car that is used by multiple drivers shall be cheaper to insure compared to a car that is driven by a single driver. So if your car is being driven by multiple drivers, list them all with the insurance company to benefit from bulk discount. However, make sure you qualify for the discount on the basis of multiple drivers. This means that the drivers should be blood relatives, spouse or living in the same neighborhood.
Use public transport:
Another way to obtain cheap auto insurance is by using public transport for your regular commute such as going to work. This way you can show reduced amount of mileage to the insurance company. Many companies offer discounts for low mileage. Along with that, when your vehicle is parked nicely in the garage for most of the times, this is also considered as a positive factor form the company’s point of view. This can also help lower insurance cost.
The more careful and prudent driver you are, the lesser you are likely to get involved in accidents. This is very important from insurance company’s point of view. Safe drivers who seldom get into trouble are rewarded by insurance companies. So abide by the traffic rules and avoid any violations to get cheap car insurance.
Benefit from discounts:
Although insurance cost might seem to be a luxury to you, there are ways you can lower it. Not only you can lower your cost, by adopting such practices you ensure your safety as well as that of others on the road. For instance by taking up a driving course that helps in prevention of accidents shall help you lower your premium cost. A good credit rating also helps earn substantial discount.
Opt for high deductible:
Generally speaking high deductibles mean lower premium. But when you agree to pay a high deductible make sure you have an amount equal to the amount you decide for being set as deductible. It is because unless you pay off the deductible, your claim process shall not initiate.
Look out for better options:
Even if you have a car insurance policy, there is no harm in looking around for better options. You can very conveniently get insurance quotes through the internet. You can make comparison of the quotes and level of service provided by different companies.
Opt for cheaper vehicle to insure:
Fancy huge SUVs might look very appealing but you should opt for only if you believe you maintain it. Remember car insurance for huge cars is more expensive than robust, second-hand sedans. So when considering purchasing a car take into consideration its insurance cost as well.
Consult a reliable agent:
When making a car insurance decision, get the services of a reliable agent who is an expert in his field. There are ways of cutting costs that you might not know but he would know. They know how to negotiate a great deal with the company safeguarding your interests as much as possible.
These are some of the ways to get cheap auto insurance.