The best way to get cheap car insurance is to compare quotes every 6 to 12 months, take advantage of all the discounts available. Switching car insurance can save you hundreds of dollars a year and only take a couple of hours. Make sure your new policy starts the same day your old policy expires to avoid fees or legal problems due to an interruption in coverage. One of the easiest ways to search for insurance coverage is to compare auto insurers online.
If you prefer to review insurance options with someone, working with an auto insurance agent is another way to do that. Credit Karma offers an easy way to compare prices with multiple carriers. Take the time to review the details and compare them before deciding which car insurance policy is right for you. Your insurance agent may give you suggestions about the discounts you can get when making changes.
For example, you might be able to get a discount for going paperless or renewing your policy a week or more in advance. Your agent may also give you other tips for reducing car insurance costs beyond discounts. You can find the cheapest car insurance quotes by comparing car insurance quotes from various companies. The first step to changing car insurance companies is to look for a new company, which you can do by getting free quotes online.
Insurers often use auto insurance ratings, which are based on the same information as regular credit ratings. Having bad credit can be one of the biggest obstacles to getting cheap car insurance quotes, even if you have an excellent driving record. Increasing your deductible generally reduces your premium, so it's a good idea to choose the highest deductible you can comfortably afford if you want very affordable insurance. Even if you are not at fault, most states require insurance providers to submit proof of insurance to the Department of Motor Vehicles after an accident if the police are called.
Most insurance experts recommend that you contact your current company to cancel your policy when you switch to a new auto insurance company. It's not good to find a cheap car insurance policy only to realize that the price is low because it contains minimum levels of coverage or high deductibles. This happens when you complete an online car insurance quote form or when you receive a quote over the phone from an insurance agent. In states where it's allowed, all major auto insurance companies consider a potential customer's credit history when calculating premiums.
After a DUI violation, your insurance premium will increase, as insurance companies can now consider you a high-risk driver. For example, you might want to remove property damage insurance for uninsured drivers from your policy if you already have collision insurance. That's cheap compared to other auto insurance companies in the country, which rank fourth among the 46 insurers compared by WalletHub. In that sense, some states also allow you to take a course to prevent driver's license points from affecting your car insurance rates.
You should also compare car insurance if it's been a few years since you were at fault for an accident or you were fined or another driving violation. Insurance companies use credit-based insurance scores, whenever permitted by state law, as studies have shown that these scores effectively indicate the likelihood that the driver will file a claim.