Tricks and Tips to get cheap Auto Insurance

Learn the tricks and tips on how to get cheap auto insurance and get free online car insurance quotes.

Cheap Auto Insurance
Every one wants to save money in the life. The main motive of the person ends up in earning or saving few bucks wherever possible. So to solve the same purpose, here we will be discussing about the methods and the Top 10 Tricks and Tips to get cheap car insurance. Before we start with Tricks and Tips on how to get cheap car insurance or cheap auto insurance, we would firstly discuss about the auto insurance i.e. what is insurance for car, and some other terms related to it.

What is Auto Insurance ?
Auto Insurance
Vehicle Insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is the insurance which is purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against any physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. When you enter into a contract with an insurance company, they agree to protect you from financial losses resulting from an accident, in exchange for your payment of a premium.

Your policy will define what losses are covered, and the coverage limits. Auto insurance provides coverage for property, medical expenses, and liability. Property coverage pays if your vehicle is damaged or stolen. Medical coverage pays for treatment of and rehabilitation for injuries. It may also cover lost wages and funeral expenses. Liability coverage pays if you are at fault in an accident that results in property damage or personal injury. The specific terms of vehicle insurance vary with legal regulations in each region.

Now the question arise that, how can i get cheap car insurance ? To get the answer, you have to spend the time on reading some Tricks and Tips mentioned below. Don't be confused, here we would not be talking about tricking the insurance dealer or something like that, instead we would here teach you to be a smart car owner - who knows when and how to save money on his or her car, especially while getting his/her vehicle insured.

How to get a Cheap Car Insurance ?
Get insurance
Here are mentioned the Top 10 Tricks and Tips to kept in mind if you want to have cheap affordable auto insurance for your vehicle.

1) Increase your car security
Increase Car Security
A large number of auto insurance companies provide discounts on cars, for which good security measures are been taken. Some of measures to increase your car security can include :
  • Installation of anti-theft device in your car. Your car should have an anti-theft device installed in it.
  • Have a secure parking area for your car. Parking on the street or in crowded/dangerous spots may increase your chances of damage. Pay the extra couple of dollars to have your car in a safe, secure, and supervised area.
  • Have a vehicle with window sketching. It is an engraving of serial numbers that are etched into the glass which identify the vehicle that it belongs to. This is supposed to help prevent theft of the car. Companies offer higher discounts on such cars.
A good alarm, private off-road parking, this all can help you lower the cost of car insurance. The good security measures is one of the major factor which can help you in getting auto insurance for cheap.

2) Get auto insurance for multiple cars
Get multiple cars insured
If you have more than one car, then you can get cheap quotes for car insurance. The auto insurance companies provide a great discount, if you have more than one car and you buy the premium from the same company. This is another good way to get cheap insurance.

Well, don't lose your heart, if you don't have the need or enough funds to buy more than one car. This is for those who are planning to sell off their old wrecked car. So don't sell it, keep it with you. It can be your ticket to get the cheapest car insurance.

3) Increase your deductible
Increase your Deductibles
Request your broker to increase your deductible on your car insurance. A deductible is a specified amount of money that the insured must pay before an insurance company will pay a claim. In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a threshold for policy payments.

If your deductibles are high you can save hundreds of dollars a year on your vehicle insurance. This will decrease the cost of your car policy. However, you need to take a look at your funds before deciding for a higher deductive amount.

4) Maintain a clean driving record
Clean driving record
Another main factor is your driving record. Sure, this is a little obvious, but it is the most important action one can take to get cheap car insurance rates. Here the age of the driver is taken into account. If you have not incurred any penalty for over-speed or drink and drive, there is possibility that you can avail cheap insurance for your car.

Having a tarnished record can permanently ruin your chances at affordable insurance. Being a safe driver should be at the top of you priority list. Not only will you keep yourself safe, but you will be saving a great amount of money with your car insurance.

Moreover, if you have spend years without making a claim on your insurance, then there would be more chances for you to get the cheaper insurance. This is so because insurance companies do not find them-self at a high risk by insuring your car. This will not only help in getting you the cheap insurance but would also help you maintain your clean driving record.

5) Go for 12 months Policy
Long term policy benifit
One annual premium can be better than monthly premium. The benefit with such a twelve-month policy is that your rate remains constant throughout the year. Instead of paying the automotive insurance premium on monthly basis, pay your auto insurance on an annual basis. The reason is when you pay it monthly you end up paying more cumulatively.

6) Keep your car clean
Clean your Car
You should try to clean your car frequently. Insurance agents want to get a sense of safety and responsibility from you. That means if you keep your car in great condition, you will increase your chances of acquiring great vehicle insurance rates.

7) Good model of the car matters.
Good model of car
The vehicle insurance costs can vary a lot depending on the model of the car, the cost of its repair, safety, and the theft record of the area where you reside.

8) Calculate your car's mileage smartly
Car mileage
You should be little smart while calculating your car's mileage. It's good to be truthful, however you are not be going to commit any crime if you are not rounding up the mileage of your vehicle. But it's the mileage of your car that your company can use to determine the price range and category to place you in.

9) Have good credit Score
Credit Score
Credits plays a vital role for getting you the cheap and reliable insurance quotes. These have a big impact on your insurance premium. If your credit scores are poor, you may end up paying high amount for your car insurance.

10) Shop around and compare quotes
Compare cheap quotes
To get cheap auto insurance, you need to chose the best from the list of cheap auto insurance companies. As well as manually searching companies for cheap auto insurance quotes, you can use search engines to find cheap auto insurance quotes online easily. The more you search, more quotes would be obtained and the better would be the result.

There are many online auto insurance companies which provide best cheap auto insurance online, but the only difficulty is the query i.e. where to get cheap car insurance ?

So for this you can have a look over our previous post about the best companies for auto insurance online i.e.
The above provided tricks and tips are the most basic ones, you should not only use these to get your vehicle insured. You should also use your mind and may take your friends & relatives advice who have recently taken or renewed their policy.

So these are the Top 10 Tricks and Tips which you can use to get cheap Auto Insurance and that can save you hundreds of dollars on car insurance and get you even more coverage.

You may like these posts