We see them all the time, ads on television or online offering us cheaper auto insurance rates than our current provider. They sound a little too good to be true, but who wouldn’t like to save a little extra money? Every offer sounds a little different, making it hard to choose a truly good deal instead of just a gimmick.
Thankfully, there are all kinds of online sites that can help us to find the best discount car insurance quotes. With a few clicks of the mouse you can find your state, all of the rules and regulations your state has pertaining to insurance, and ways you can secure the lowest rate possible. While different companies serve different states, there are several things you can do to find a better rate regardless of where you live.
One of the best things you can do before looking into a new insurance provider is to raise your credit score. Online sites like Credit Karma will let you view your score for free, and stay on top of things while increasing it. The higher your FICO score is, the lower the rates you’ll be able to secure.
If you happen to find that your score is less than perfect, don’t sweat it. Bad credit can happen to anyone, and it isn’t as hard to fix as some might think. Simply paying off existing loans or outstanding bills can give your score the boost it needs to help you secure lower rates, and you may be surprised at how much it can increase in just a month’s time.
Accidents happen to everyone, and are just a part of life that we all must face at one time or another. However, having an accident on your record can really send insurance rates through the roof. If you have been in an accident, find out how many years (usually 5) your state allows that to impact your rates and wait until that period is over before hunting for a new provider.
Signing up for automatic withdrawals is another fantastic way to earn a discount. Not all companies offer the same discounts, but finding one that offers them for automatic payments and paperless statements is a sure fire way to save money. Some may even offer certain discounts based on your location, and where the car will be kept when not driven.
If you are driving an older vehicle then chances are your rates will be higher. Newer cars are being made with an increasing number of safety features that insurers will give lower rates for. These can include the number of airbags installed, backup cameras, types of alarms, anti-lock brakes, and more.
Not all of us are ready to trade in and finance a new vehicle, but if you were thinking of doing just that then wait to find a new insurer until after you have bought the car. Older cars simply did not come equipped with the standard safety features that today’s cars have. Keep in mind that SUV’s and cars with smaller engines will be cheaper to insure.
If you feel as though you are paying a higher premium than you should be, it never hurts to look around for better insurance rates. Utilizing your credit, comparing different insurance companies, and checking into certain discounts will all help you to save money year in and year out while still maintaining great coverage. Don’t settle for less than you deserve, the lowest discount quotes on the market are waiting for you!