You can get cheep (cheap) car insurance. All you need to do is to use a few simple strategies to find the best possible rate and invest a bit of your time in the process.
1. Don’t take the first quote you are given as being the best one. Use the power of the Internet to get quotes from a number of different car insurance companies and compare them. The best rate may come from your existing insurer (which would be great) or you might get a better deal by switching. If you don’t check out different quotes, you will never know!
2. If you indicate to your insurer that you are prepared to step up and share the risk of insuring your vehicle by paying more out of pocket if you have a loss, your premiums rates will go down as well. Since you are responsible for paying your deductible amount before the insurance company will compensate you for a loss, consider the amount you can afford to pay carefully before you increase it. You may be better off paying a bit more for your premium and not having to scramble to cover the deductible if an accident occurs.
3. Another way to keep your car insurance rates down is to keep your driving record as clean as possible. While some companies may forgive an accident, not all of them are as generous, and you may find that it will be some time before you qualify for a better rate on your car insurance.
Some things are completely within your control as far as keeping a clean driving record are concerned. Don’t get behind the wheel after consuming alcohol and you don’t need to worry about being arrested for a DUI or DWI. A conviction for this type of offense will raise your rates in a hurry and you won’t be able to find cheap car insurance after that.