Cheapest Car Insurance: Tested Steps

Everyone can enjoy high value vehicle insurance coverage without breaking the bank. You just need the right information and the determination to implement what you'll be taught to get a better rate. We'll now take a look at a number of time-tested ways to get more for a lot less...

1. If you maintain collision and/or comprehensive for an old vehicle which isn't a classic, then you're paying a lot more than you should. Your car's Kelly Blue Book value at point of filing claims (and not the price of the car when you bought it) is what shapes what you'll get from an insurance provider. So even if you have paid your premiums faithfully for several years but the Kelly Blue Book value says your car has zero value, you'll get nothing from your insurance company and they will be completely covered by the law.

Therefore, stop wasting your money. As soon as a car gets old, discontinue collision and comprehensive coverage on it. If you do this you'll make big savings.

2. Increase your deductible and you will get cheaper rates. It makes sense to have a deductible that is as high as possible but also within easy reach for you.

I must stress that going to contribute this much if you ever make a claim.

3. Your rate is seriously influenced by your annual mileage. So do all you can to NOT drive your car whenever there is a good option. This surely makes sense if you reside in an urban area where you can take advantage of standard mass transit networks.

Carpooling is also another smart way of reducing your mileage.

4. Take out some time to visit at least five insurance quotes sites that offer quotes on auto insurance policies. This will require around 25 minutes.

As you visit each quotes site, make sure you input the same information. Doing otherwise will return misleading results. When you've obtained your auto insurance quotes, compare them to determine which serves your interest best both in price and value.