Of course, it’s unethical to knowingly give false information when obtaining Car Insurance quotes. But there are two more practical reasons for being truthful. First, your insurer will check your personal and driving records to verify the information you have submitted anyways. Second, if you do manage to secure a policy with inaccurate information, it’s likely that your policy will be voided when you file a claim if your lie gets brought to light. That could leave you in a serious financial bind.
Luckily, there are legal and principled ways to get the lowest Car Insurance quotes possible.
1. Do Your Research
You first have to know what you need before you go looking for it. Figure out whether you only want your state’s minimum required Liability Insurance coverage, or if you want a more comprehensive plan. Optional coverages that many drivers choose to add for better peace of mind include Collision, Comprehensive, Uninsured Motorist, Roadside Assistance and Mechanical Breakdown.
2. Know Your Annual Mileage
Don’t just guess your annual mileage. Use mapping software to figure out your round-trip mileage from work, school, and/or regular errands. Although you can’t foresee every car trip you’ll take, you can get a pretty good idea of the number of miles you drive in a year. You will need to provide this information and it will be one of the main factors in determining your Car Insurance rate.
3. Consider Increasing Your Deductible
If you’re willing to pay a $500 or $1,000 deductible for each insurance claim instead of $100 or $250, you will most likely lower your premium. Just ensure that you will be able to afford your deductible if you do need to make a claim.
4. Pay In Advance
Auto Insurance companies prefer that you pay for your policy in advance. If you have the financial ability to submit six months or a year’s worth of premiums in a lump sum payment, your quote could be reduced by as much as 10% to 20% than if you pay in monthly installments.
5. Bundle Your Policies
If your Homeowners, Renters or Motorcycle Insurance company also offers Auto Insurance, it’s usually cheaper to have all your policies under one carrier. This is because insurers will offer a discount for bundling multiple policies with them. Not only that, but you’ll only ever have to deal with one company when it comes to insurance.
6. Search For Car Insurance Discounts
There are plenty of discounts available for Auto Insurance. You can qualify for a discount for anything from safety features on your car to getting your college degree. Other common discounts are Good Student, Multi-Vehicle, Association and more. Call an Insurance Specialist today at (855) 919-4247 to see which discounts you qualify for.
7. Look Into Pay-As-You-Drive Insurance
A new Car Insurance trend is paying for insurance as you go. Essentially, you install a small device in your vehicle that tracks your driving habits and behaviors so your insurance company can set your rate based on how you drive. This is especially attractive to safe drivers who are in high-risk demographics.
8. Shop Around For Car Insurance Quotes
Nowadays, it’s easy to go online and a get Car Insurance quotes in minutes. So it only makes sense to see where you can get the best coverage for the best price. However, it doesn’t make sense to do all that work yourself. Instead, let AIS help you compare low rates from multiple top companies at once. We do all the shopping for you so that you can save both time and money. Just give us a call at (855) 919-4247 or go online here. We’ve been saving drivers money on Auto Insurance for over 5 decades and we want to do the same for you, too.
The information in this article is obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here. Such policy will be governed by the language contained therein, and no warranty or appropriateness for a specific purpose is expressed or implied.
