Cheap Auto Insurance: Find Cheap Car Insurance In 8 Easy Steps

Everybody wants cheap car insurance, but how do you actually find it? Fortunately, there are several things you can do to lower your insurance costs.

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Before you start searching for a bargain-basement policy, remember that sometimes focusing solely on the lowest insurance rates is a mistake. Cutting costs does not make sense if youre also shortchanging quality.

However, with a little research, you should be able to find cheaper auto insurance without sacrificing important coverage amounts. Here are ways to improve your odds of lowering your insurance rates:
1. Comparison shop

Sometimes, youll get the best deal with your current car insurance company. But in many other cases, the road to the cheapest car insurance policy will take you elsewhere.

Comparison shopping can help you uncover cheap car insurance companies and auto insurance discounts. How often should you search for lower premiums? Experts generally suggest looking around at least once a year. Insurance.com offers a rate-search tool that can help you find the best insurance rate.
2. Bundle your policies

Your insurance company may offer more affordable car insurance rates if you purchase both your home insurance and auto insurance policies from the same provider.

Its not unusual to save 10 percent or more off your premium when you receive a multiline discount.
3. Raise your deductible

Simply raising your deductible from $200 to $500 can lower your car insurance premium by about 20 percent, according to the Insurance Information Institute.

Remember, though, that a higher deductible means more money out of your pocket in the event of a claim. Cheap insurance can become expensive fast if you have to pay your deductible with a high-interest credit card.
4. Ask about discounts for which you qualify

Is your daughter a straight-A student? You may qualify for cheaper car insurance. Park your car in a garage? Your insurer may give you a price break because the car is less vulnerable to theft and weather damage.

Source: http://www.buy-teragold.com/cheap-auto-insurance-find-cheap-car-insurance-in-8-easy-steps/

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