Owning a car today is a very expensive proposition to begin with. With gasoline prices higher than we feel comfortable with, and auto repair costs downright frightening, where can a person get a break? Let’s look at some of the best ways to buy cheap car insurance. At least we can save some money here.
If you shop around for auto insurance rates you are definitely going to save money. The industry is very competitive so you can use this to your advantage. Now, if you are planning to buy a new car right now, you need to select a make and model that has the lowest insurance premium rates for full coverage. These models are usually in the 4-door sedan, family car category. If you buy a used car instead of new, you will save even a larger chunk of cash on insurance premiums.
Maybe you already own a car and are just looking to buy cheap car insurance. One of the ways you can do this is to look at the blue book value of your car. If the premium for collision and comprehensive coverage on your insurance policy is near the blue book value, drop that part of the policy. It is not serving any real purpose. You can also change your coverage to include a higher deductible. As long as you don’t have an accident, you will save quite a bit on insurance premiums.
Another way to buy cheap car insurance is, after you have shopped for the lowest rates online, call the companies and ask about further discounts. They may have other savings that they don’t advertise on their website. Some may have discounts for those you take and pass a defensive driving courses. You may be surprised at what deals you find just by asking.
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Photo Credit: Håkon – off to Spain!
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