How to Find Cheaper Car Insurance Rates
Everyone needs to buy auto insurance if they plan on driving a vehicle, but most people don’t know how to find cheaper car insurance rates. While price is something you need to consider, it’s not the only thing you should look at when choosing what policy to buy.
You should focus first on the coverage that will protect you best, then move onto to try and get the best deal. With a little research and comparison shopping online with sites like Hammer Insurance, you can save hundreds per year. Apply now for a free, no-obligation quote and compare side by side rates instantly.
There are proven tips that can also save you money on auto insurance. Here are a few of the most popular.
Drive a Vehicle That’s Cheap to Insure
This tip is common sense, but most people don’t realize the huge price variations between automobile makes. You could save over $1,000 a year just by buying a vehicle insurer consider safe and less likely to get into accidents. New, more expensive vehicles cost more to insure.
Also, sports and high-performance cars like a Porsche are very expensive to cover. If you need a roomy vehicle, consider a SUV. These popular cars are great for just about any type of driving situation and have some of the cheapest rates of any automobile type. The Grand Cherokee and Subaru Forester are examples of SUVs that have cheaper insurance costs.
Another tip is to try and buy a used car (more than 5 years old) with four doors and a four cylinder engine. This includes models like the Toyota Corolla and Ford Edge. If you are in the market for a new vehicle, then you are going to need more coverage to protect the substantial cost of buying it. You can shop comparison sites like Hammer auto insurance for the best rates on new automobiles.
Get the Best Policy for the Coverage You Need
When considering the type of policy, you should only buy the coverage you need and use, nothing else. If you’re buying a second car that will only be used on the weekends, then you might get cheap specialty insurance, that specifies weekend only driving.
If you have a financed, brand new vehicle, you will in most cases need collision and comprehensive insurance. Never purchase coverage for things you don’t need. This includes add-ons like towing or rental car insurance that you might already have with your credit card provider.
Consider a High Deductible
Are you a safe motorist? Do you rarely get into, or have never been in a wreck? If this sounds like you, then think about getting a higher deductible. Raising it to $1,000 could lower your premiums by several hundred dollars per year. If you go this route, make sure to have the deductible amount saved, in the unfortunate event you get into an accident and file a claim.
Drive Fewer Monthly Miles and Qualify for a Low Mileage Discount
There a special low rates for people who drive less than 800 miles per month. Low mileage drivers can save 10% or more on auto insurance. You can lower your monthly miles by car-pooling to work or taking a ride-sharing service like Uber or Lyft from time to time.
Park Your Car in a Garage and Save
You can save up to 5% off your premiums by parking your vehicle in a garage. This discount is given because cars that are locked away are proven to be much less likely targeted by thieves. If this isn’t an option, then consider adding a GPS type security device, which will get you a nice discount.
Compare Direct Rates Online for the Best Deals
Nearly everyone has access to the web. Today it’s easier than ever to compare auto insurance quotes. If you need to find cheaper car insurance rates, then shopping online is the best place to start. In as little as four minutes, you can compare up to 10 direct rates. Carriers often have promotional pricing online, which can save you hundreds per year. Get started now and apply for your free quote.