Below there is a list of ways to increase your chances to get discount auto insurance. Some of the methods you will find very useful while others might not fit your exact situation, but by using any of these ideas you will be able to save some money.
I. Get Multiple Quotes: This alone can be your largest money saver. Each insurance corporation has an individual rating system so check as many companies as possible.
II. Don't Pay Monthly: Insurance companies surcharge you for making use of a monthly billing cycle. If you can afford to pay in full or two bills per year you will generally pay less yearly.
III. Use Electronic Withdrawal: Most insurance companies are now charging to process paper bills to you. You can avert these kinds of fees by having the insurance company electronically withdrawal your money from your checking or savings account.
IV. Don't Wait Until The Last Minute To Buy: Certain companies will give you a discount if you get your auto insurance rates more than 7 days prior to the policy start date.
V. Credit Scoring: Most large insurance organizations have gone to insurance credit scoring. This takes many more factors into consideration than just your credit score, but your score still makes up a big chunk of it. If you can increase your credit score you will generally pay less. There are organizations that if you refuse to give your social security number they then can't run a credit analysis. Then they will give you a general rate which might be better if you know you have lousy credit.
VI. Take a Drivers Training Class: You will usually be a cost associated with taking the class but it gives you a auto insurance discount for 3 years. When the discount expires you can pay and retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.
VII. Increase Your Collision Deductible: By increasing your deductible to $1000 from $500 you can easily save some money but be aware you take on more risk. Your comprehensive deductible isn't recommended to be raised because it is generally less expensive to begin with.
VIII. Find Out If Other Discounts Are Available: You could be missing out on multiple discounts, if you don't ask. So, ask about, automobile safety devices, multiple policy, multiple automobile, good student or safe driver discounts, just to mention a few.
I. Get Multiple Quotes: This alone can be your largest money saver. Each insurance corporation has an individual rating system so check as many companies as possible.
II. Don't Pay Monthly: Insurance companies surcharge you for making use of a monthly billing cycle. If you can afford to pay in full or two bills per year you will generally pay less yearly.
III. Use Electronic Withdrawal: Most insurance companies are now charging to process paper bills to you. You can avert these kinds of fees by having the insurance company electronically withdrawal your money from your checking or savings account.
IV. Don't Wait Until The Last Minute To Buy: Certain companies will give you a discount if you get your auto insurance rates more than 7 days prior to the policy start date.
V. Credit Scoring: Most large insurance organizations have gone to insurance credit scoring. This takes many more factors into consideration than just your credit score, but your score still makes up a big chunk of it. If you can increase your credit score you will generally pay less. There are organizations that if you refuse to give your social security number they then can't run a credit analysis. Then they will give you a general rate which might be better if you know you have lousy credit.
VI. Take a Drivers Training Class: You will usually be a cost associated with taking the class but it gives you a auto insurance discount for 3 years. When the discount expires you can pay and retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.
VII. Increase Your Collision Deductible: By increasing your deductible to $1000 from $500 you can easily save some money but be aware you take on more risk. Your comprehensive deductible isn't recommended to be raised because it is generally less expensive to begin with.
VIII. Find Out If Other Discounts Are Available: You could be missing out on multiple discounts, if you don't ask. So, ask about, automobile safety devices, multiple policy, multiple automobile, good student or safe driver discounts, just to mention a few.
About the Author:
If you liked this article you might like Joe's website where you can get more Discount Auto Insurance tips to help you save money when it's time to get Free Insurance Quotes. By following either link back to Joe's site you'll save money on your auto insurance by comparing multiple insurance quotes from local agents and national companies.
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