Car Insurance Tips
Car insurance tips for finding cheaper coverage
How to find cheaper insurance
It is a sad fact of life that car insurance premium rates have been rising faster than inflation for the last ten years. They were actually at their lowest at the height of the boom years but, as we approached the recession, they began to rise. Now they are higher in real terms than for a long time. This means everyone is chasing cheaper insurance policies. They are still out there, but you have to search harder to find them.
You would not buy the vehicle you drive without researching prices and touring round the different dealerships to find the best deal. When we face a big ticket purchase, basic self-defense says you have to do some work to avoid being ripped off. Well, it is exactly the same when it comes to the insurance. The difference between the cheapest and most expensive policies can be hundreds of dollars. If you end up picking the most expensive, the size of the error grows every time you renew without looking for alternates. Now that sites like this offer a free search facility, you can run the search as often as you want on different makes and models, or with different deductibles and other variables, until you find the best deal.
Make and model
If you want to drive your dream car and it is one of these hot, low-slung bullets that leaves rubber on the road whenever you pull away, this is going to be an expensive vehicle to insure. But if you are content to drive a steady family saloon, the premium rates just dropped down to more bearable levels. Look at the government sites for the cars with the best safety records in crash tests and those least likely to be stolen.
The basis of insurance is your own driving record. If you build up experience without being involved in an accident and without picking up any tickets, you will find your premium rates stay at the lower end. Like the make and model of the vehicle, this may be boring but it gets you where you want to go in one piece and produces the lowest premiums.
Look for all the discounts
Think about the amount of the deductible you are prepared to pay, consider buying your homeowners policy from the same insurer, fit safety features to the vehicle, and so on. Do not be passive. Defend your interests.