Somehow every car insurance company out there claims to be the cheapest. Logically, this is not feasibly possible. Why is it they all claim that they will save you money if you switch to them? Simply put auto insurance is overly complex. Therefore, in a way they are telling the truth. These companies can’t save everyone money but each one has their benefits. Here are a few tips and trips to help you make sure you are getting the best deal.
About as obvious and the fact that all can’t be the cheapest right? You must shop around. Everyone’s situation and car is different. Just because one company is the cheapest for your mom or dad or cousin’s best friend, doesn’t mean it will be cheapest for you. Getting a quote from companies online is luckily quick and easy these days. Spend an afternoon filling out a few online forms and in no time you will be able to find who is right for you. Make sure to go to the sites individually because they often ask different questions.
BUNDLE HOMEOWNERS AND AUTO
By bundling up insurance you are sure the get a better rate. Even if you aren’t a homeowner, it is possible that by adding renters insurance or another car, it can lower your rate, or at least keep it the same while adding on more benefits. Check to see what each insurance company offers. Adding policies together is guaranteed to drop your bills.
MAINTAIN GOOD CREDIT HISTORY
Speaking of bills, make sure you are paying yours. Car insurance companies can base rates off of your credit history. It’s important to make sure you are keeping up on all those credit cards you decided to apply for. If not your rates could skyrocket and it won’t be because you hit the neighbors motorcycle instead of their mailbox this time.
TAKE A DEFENSIVE DRIVING COURSE
Any sort of extra driving education is sure to give your insurance more confidence in your driving abilities. More confidence from an insurance company means lower rates. After your Saturday morning yoga, you should go down and register for your course. Who knows, maybe it will boost your confidence too.
SWITCH COMPANIES EVERY COUPLE OF YEARS
Your life is ever changing. Like we already discussed every insurance company has their little benefit that the others don’t. Maybe while you were in college you received a student discount but now that you are graduated and working for a law firm that no longer applies. It is even possible your firm is part of a group insurance that will save you tons.
After following these guidelines you are sure to become an insurance pro!