Raising Deductibles Is One Way To Get Cheap Car Insurance
On the average policy, the deductible the amount the insured person has to pay on every claim is usually around two hundred and fifty dollars
. By raising this up to five hundred dollars or more, the annual premiums will surely fall.Discounts for different things may also add to the savings that a driver can get and these must be studied carefully since there are so many options. For example, just being part of a club or organization can attract a discount though many people may well overlook this. Even something as simple as adding a second car to the same policy could end up saving hundreds of dollars per year and this works particularly well for families.
Of course, to get the best cheap auto insurance deal, the driver will have to dig around on the internet a little to see what is offer so start early on this exercise. Dont cancel the old insurance until this is sorted out otherwise someone may be tempted to drive the car without insurance - a big mistake by anyones standards. Drivers who do this could end up being jailed and having to pay for the rest of their lives to any civil claims that are made.
Some states have minimum liability coverage and if the insurance company insures the car for one hundred thousand dollars, lowering this figure to the minimum allowed is bound to make savings. Yes, the cover will not be as comprehensive but we are talking of getting the minimum premiums here, not getting the most comprehensive cover.
Some companies also offer deals for students who keep their grades to B average and above and, in the case of cheap auto insurance, every little bit helps. So too does having a pristine driving record with no convictions or tickets outstanding. Women too qualify for some discounts as they are considered to be much safer drivers than men.
One aspect of driving that most would not consider is getting an advanced drivers certificate. The better the driver can prove he is, the lower the premiums will be so this is a cool way to be more aware of what is going on around the car while saving money at the same time. Indeed, learning to drive defensively is what it is all about so the driver is a winner on both fronts.
Lastly, whether it is adding all the cars that belong to the family onto the household insurance cover, or keeping an older car on liability cover only to qualify for a group discount, it is obvious that there are many ways to keep auto insurance cheap. Dont go for the first deal offered and check all the small print first before signing on the dotted line. Also remember that yearly premiums almost always work out cheaper than buying a six month cover twice so also think about this.
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