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Methods of Obtaining the Cheapest Car Insurance You Can

by nate

Saving money is a big deal, especially if you are purchasing something that you are legally required to have. There are many ways that you can save money on your car insurance, including many discounts that you might be eligible for. Regardless of who you are, or what you are looking for in an insurance policy, here are a few things that can help you find the best and cheapest insurance policy possible. Keep these things in mind as you gather quotes and compare the different options for the best policy for you and your family. 

Vehicle Choices

The vehicle that you choose to purchase or drive will have a lot to do with the price that you end up paying for your insurance. Consider the following when you go looking for a new vehicle.

  • Safety Ratings – Choose vehicles with high safety ratings if you want to save money on your policy.
  • Crash History and Likeliness – The more likely you are to get into an accident, the higher your premiums will be. Likeliness of an accident is one aspect that can put you into the high risk category of drivers.
  • Vehicle Color – Many people don’t realize that the color of your vehicle can have an effect on what you pay for insurance. Look at statistics and choose a color that is not known for being in accidents.
  • Features and Additions – Choose a vehicle with safety features and special additions that lower to risk of damage or loss.

The Driving Record

Having a great driving record will go a long way to reducing the costs that you will pay for car insurance. Make sure to think about the future the next time you decide to speed and figure the effect that a ticket might have on your overall costs.

  • Tickets – Tickets prove reckless behavior and can give the insurance company a reason to raise your rates.
  • Prior Accidents – Because you have a history of accidents, you can expect your insurance rates to go up to cover the possibility of another accident.
  • Driving Privileges and Responsibilities – Be aware of your rights and responsibilities so that you can maintain a clean driving record.
  • Statistics – Most auto insurance companies work based on statistics, so look at them, know what they are, and avoid falling into line with any of them.

Discounts and Price Breaks

Another great part of the insurance quote process is seeing which discounts you are eligible for. There are plenty of discounts out there, but there are some that are both common and notable. Consider the following when you shop for your next policy.

  • Good Student Discounts – Good student discounts reward students who maintain a high GPA with cheaper car insurance rates. This is because most auto insurance companies believe high GPA holding students can make better choices.
  • Discount for Installed Features – Many vehicles have installed safety features that reduce the risk of loss or damage. These things are eligible for a discount.
  • Multiple Policy Discount – Insurance companies want you to have all of your policies through them, so the more that you do have, the bigger your discount is.

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