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It can seem exhausting to get the best car insurance. This becomes even more difficult when you consider that many insurance agents are reluctant to voluntarily provide information about available discounts and deductibles.
Therefore, to get the best car insurance, you need to arm yourself with the facts.
1) Compare premiums
The first thing you want to do is compare premiums. Rates in your area may vary from one place to another or from agency to another. Sure, they may not differ substantially, but even a percentage point or two can help you save quite a bit of money for the longer term.
Visit the websites of different insurance companies and compare the rates offered to you. State insurance agencies usually have price guides, but the categories used by the companies you’re considering may not match yours, so use a guide yourself to find the most cost-effective insurance agents in your area.
2) Family
If you have teenagers in your family, anyone under the age of 25 to be exact, manage them carefully. Young drivers tend to pay more because they are accident-prone. Once they are 25, this statistically decreases.
That said, if you have kids, encourage them to keep their grades high, at a B average or higher, so they get car insurance discounts. Students can save between 5% and 25%. In addition, if they take approved driving courses, they can get a big discount.
Parents of students who spend part of the year at a school more than 100 miles from home and need the family car to do so may also receive a discount on the costs.
3) Drive carefully
Children are not the only ones who need to be careful drivers on the road. Many insurance companies give a 5% discount to anyone who keeps a clean record for three years in a row, and 10% to those who go six years without an accident or violation.
You can even get discounts depending on where you live if you are a woman and the only driver in the family, a non-smoker, a senior, or a member of a specific profession that is statistically less prone to accidents (usually straight or medicine).
Other discounts can be obtained by taking defensive driving courses, carpooling, or driving your car for low mileage. If you participate in a data tracking program, where the insurance companies keep an eye on your driving behavior, you can often get a discount on that too.
These rates all vary based on where you are located and what company you use. In addition, you may not be eligible for a discount one month and you may be eligible for the next month.
You need to stay on top of the insurance company and make sure you get the rebates you deserve because they won’t be the ones telling you the ways you can save. Asking about these programs can only help save you, not hurt you. So call your broker today.
Guide to getting the best car insurance rate
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