Getting The Best Car Insurance Prices
There are a lot of things you’re going to want to keep an eye out for. You’ll obviously want to work with a reputable company. You’re going to want an insurance provider that has great customer support and friendly claims agents. But most importantly, you’re going to want to get the most bang for your buck.
You can cut coverage and pinch pennies, but it won’t get you very far when it comes to getting the best car insurance prices. Instead, we recommend you focus your efforts on two important elements:
Choosing Your Auto Insurance Provider
Enter your zip code at the top of this page, and you’ll likely notice a huge difference in premiums from company to company. So naturally, this is the first area we’ll take a look at.
You won’t have much luck convincing auto insurance companies to change what they charge, so your best bet here is to simply shop around for the car insurance provider with the best rates. Our free quote tool will help you compare rates from all the leading auto insurance companies.
Work Your Policy for the Lowest Car Insurance Prices
Now that you’ve chosen your auto insurance company, you can actually design your auto policy to save you money, and lots of it.
The most obvious way to do so is to only pay for what you need. You may be urged to add all the bells and whistles to your policy, but if you’re looking for the best price on auto insurance, then you’ll want to avoid the added features.
Setting Your Deductibles
This next method ties into the previous one, but can save you even more. When setting your deductible, set it as high as you can afford at any given time. But don’t push it too far. If you can’t afford a high premium, don’t do it, because you never know when disaster will strike.
Another great way to save money on your car insurance premium is to increase your deductible. The higher deductible that you pay means the lower your premium will be. Before you do this, make sure that you can commit to saving between $1,000 to $5,000 for your deductible. The average insurance company will require you to pay your deductible first before your premium kicks in. The higher your deductible, the lower your premium will be – plain and simple.