Four Easy Steps to Cheaper Car Insurance « Insurance Blog

by luktao

Are you looking for cheaper car insurance ? Of course you are. Everyone is. Cheaper car insurance opens the door to having more money each month to do the things you want to do rather than pay the bills you have to pay-and aren’t you sick of paying bills by now anyway?

Believe it or not, cheaper car insurance is only four easy steps away. Follow these steps and you’ll soon find yourself putting hundreds of dollars a year back into your vacation fund rather than spending it on your insurance coverage:

Step 1: Before you buy your next car, check out the information published by the Highway Loss Data Institute. They gather a list every year of the cars that cost insurance companies the most money in claims for theft and damages each year. Makes and models that are statistically more likely to cost your insurance provider money are always going to cost you more to insure, regardless of what kind of driver you are. Buying off their “better than average” list, on the other hand, is going to save you money the minute you drive off the lot.

Step 2: Shop around! Your current provider may or may not be offering you the best deal on your car insurance, but you’re never going to know until you look. There are multiple sites on the Internet that will allow you compare quotes from several of the country’s biggest providers in a single shot, and almost ever insurance provider from coast to coast operates a website that will give you a free “baseline” insurance quote based on specific information. Of course, you can always pick up the telephone too!

Either way, if you’re going to find cheaper car insurance you’re going to have to go looking for it.

Step 3: Haggle. Once you’ve found a company that’s willing to cut you the best deal on your basic coverage it’s time to play “how low can you go”, and you’re going to do that using the companies available discounts.

Read more...