When you want to cut costs on your auto insurance policy, one of the best things you can do is to buy your insurance online. Today most companies have online websites, which means that the web has become very competitive to insurers. This competition works in your benefit. Companies on the web want to lower rates to get your business. When you purchase online, you'll get a better deal and often a special discount just for buying online.
Tip #2 - Raise the Deductable
Another of the insider tips that can help you save some money on your coverage is to raise the deductable you're paying. When you go looking for car insurance quotes, choose a deductible that is higher than the one you have. Instead of going with a $250 deductible, moving up to one that is $500 or even $1000 can end up helping you to save a lot of money on the policy you choose.
Tip #3 - Ask for Discounts
It's a good idea to ask for discounts. Many companies won't tell you about discounts but if you ask, you may be able to get the discount. Often you'll find that there are discounts available for save driving, for purchasing multiple policies, for safety equipment on the vehicle, and more. You'll never know until you ask, so simply ask and see if you can save even more.
Tip #4 - Keep Your Driving Record Clean
You definitely need to keep your driving record clean. If you have no tickets or claims within the past few years, you can save big time. This is a great way to save, but don't lie about it. The companies will check and if you lie about your record they probably won't cover you at all.
Tip #5 - Get Multiple Quotes Before Buying
Of course, one of the best things that you can do to save is to get multiple car insurance quotes before buying. It's easy today to get multiple quotes. You can get online and use websites that offer multiple quotes. This way you can enter your information one time and then get quotes from different companies. Make sure you carefully look at each quote. Compare the cover and the prices offered you. This way you can cut costs and get the best possible deal.