With a tight economy and an even tighter budget, now is a good time to reevaluate what you are paying for your car insurance and make sure that it is the best rate for your policy. As you compare quotes for different companies, keep in mind the various discounts that you may be eligible for. An already great price can get even better after applying just a few of the following discounts! According to the Insurance Information Institute, discounts that may be available to you as a driver include:
- More than 1 car
- No accidents in 3 years
- No moving violations in 3 years
- Driver training courses
- Defensive driving courses
- Anti-theft devices
- Low annual mileage
- Air bags, anti-lock brakes, or daytime running lights
- Student drivers with good grades
- Auto and homeowners coverage with the same company
- College students away from home
Some of the discounts on this list seem pretty logical-no accidents in three years, driver training courses, etc. But isn’t it nice to know that those little devices on your car that make you a safer driver can help you pay less on your insurance as well?
In considering discounts for low annual mileage, don’t forget to ask about discounts for people that car pool to work. Also, as the years go by and the kids start driving as well, make sure they keep up those grades in school! Not only will their good grades save you money when they apply for college scholarships, but they can keep your insurance rates low in the meantime.
Of course, in evaluating the overall benefits of your car insurance, it is important to remember that the number of discounts offered to you does not necessarily mean a better insurance quote for you. A company may be able to give you a handful of discounts, but start out with such a high premium that the resulting price is still more than another company could offer you.
Comparing quotes on available car insurance policies can be a time-consuming endeavor! To aid you in your search for the cheapest and best car insurance, consider looking first at independent insurance companies.
Independent insurance companies differ from private companies because they actually sell policies from multiple private companies. This allows them to offer competitive rates on policies, dozens of quotes from many reputable insurance companies, and can help you tailor your policy and discounts to fit your needs and budget with one online visit or short phone call.
Not only will you save time and money, you won’t have to do all the legwork yourself as you find the best car insurance for you and your family!