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TOP 10 Tips for CHEAPER Car Insurance – How to get Lower Auto Insurance Rates

#03 check for the discounts

Check for the discount insurance companies provide a variety of discounts including price breaks for customers who have the following a good driving record it’s no secret that a good driving record will help lower your rate also consider bundle insurance with other policies such as homeowners insurance bundling generally reduces rates one or both policies consider ensuring multiple cars with one policy you have to buy insurance for the other anyhow so see what they can do on the other vehicles you own pay your entire annual or six-month premium at one  payments might be the only way to go some people but you definitely save money when you pay in advance agree to receive documents online own a car with certain anti-theft or safety features, now I’m not talking about the  bogus theft edge system sold by car dealers I’m talking about the legitimate anti-theft systems installed by manufactures or aftermarket installers equipment and the final discount you might consider Is being a member of particular professional organizations affiliate groups you’d be surprised how many organizations out there have some affiliations with the insurance companies and being a member actually saves you money check it out discounts can vary by company and location so check insurance company websites or consult with agents to find out which ones might apply to you.

#04 Be aware that CREDIT is part of the calculation.

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Your credit is a significant factor in the car insurance quotes you will receive there are only three states Hawaii California Massachusetts which don’t allow insurance companies to use credit insurance companies say that customers credit has been shown to correlate with the risk of filing a claim you might scoff at that but 47 states allow insurance companies to use it in their calculations so you need to be aware of it here’s what I suggest improve your credit first make sure you pay your bills on time you don’t need your credit report filled up with frivolous negative dings and if you do have damaged credit that needs some help contact a local credit union in your area and consider taking out small personal loan even if  it’s just 200$ and even if you have to put the 200$ on deposit in the credit union in order to get the loan put the money on deposit at the credit union and then let them take the payment out of it you’ll be surprised how much a small loan like this will improve your credit in a short period of time when you paid off the loan take out a little bit large one to do it again by paying your bills on time and using the strategy that I just suggested with a local credit union your insurance premiums will go lower too don’t forget that you get one free credit report a year so use it and track your progress.

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