You have come to the right place, if you are looking for information on how to get car insurance for your new or used auto or if you just want to get a better price on auto insurance or even would just like a quote.
Not all auto insurance companies have the same policy coverage, pricing or terms. So to get the best car insurance policy at the cheapest rate, you will have to do a little research. Most auto insurance companies offer online quotes, this is the easiest way to do comparisons.
If you have an existing policy from your current insurer, pull it out or request they send you a copy. Read through it carefully and highlight the most important coverage items to identify areas where you may need decreased or additional coverage. This would also come in handy for an agent that was helping you find cheaper rates. Sometimes they may need a copy if you are switching companies to get a transfer discount.
Below we are going to discuss some general tips to help you with your insurance and hopefully save you some money in the process!
Common Questions People Have About Lowering Their Insurance or Understanding Car Insurance Terms.
Deductible in the event of a claim – Increasing your deductible can lower your insurance quote by hundreds of dollars depending on what vehicles and drivers you have on your policy.
Total loss – Coverage in the event your automobile is stolen or totaled in an accident.
Property Damage Liability – This coverage is important in the event your vehicle causes damage to someone else’s property.
Can you go to the auto repair shop of your choice? Sometimes this can be a hassle or deal breaker for some. But usually most companies let you pick your repair shop. Just ask your agent for more information.
Does it make a big difference if you opt for a higher deductible? Sometimes this can reduce your overall premium like mentioned above.
Tips on Where to Find Your Policy Number
A lot of people need help either finding their policy number or what company they’re independent insurance agent has put them with.
Here are a couple tips to help you track down those seemingly elusive pieces of information and also a few reasons why you may need to use them:
- Usually when your agent binds your policy he prints you a few copies of information. One being your ID card or “proof of insurance”, Its what you keep in your glove box. Make sure you have an extra copy of this so you can keep a handy copy for reference.
- The other printed form is a Declaration Page. A Declaration Page has all of your policy information on it. It has a breakdown of premium per car and coverage, shows your coverages, and many other policy details. Make sure your keep this in a place where you can always refer back to this.
A few good reasons to have this information handy include the following:
In case of a emergency.
A wreck, accident, and any kind of situation where you may have to call your insurance company or give your information to another party.
To make your payment.
Yes, we all have to do it and its no fun but it pays to have your information handy when you paying your bill. Pun not intended
Make sure you have proper coverage’s.
Sometimes you need to check your policy from time to time to make sure you’re not over covered or under covered. Also, you may have to get with your lien holder or bank that provided your loan on your vehicle to give them your information. It's actually very common if you are not familiar with how a lien holder works. Most of the time you will have had to give your agent your lien holder info to add to your policy.
Understanding your current policy and knowing how to find exactly what is on your policy is important. You may even find that you have coverages on your policy that aren't necessary for you and thus you could be saving money on your auto insurance. Below are some additional tips to save money on your bills.
We all want to save money by reducing our daily expenses and spending wisely, however not a major section of us is capable of doing so. We cannot ignore our daily needs just to save money. When people find themselves unable to move according to the plan instead, now they are spending much more, tend to cut off their daily needs.
What we need to do is try reducing our monthly bills. Monthly bills constitute an enormous part to our monthly budget, and if we look carefully, it is this part of our expenses where we are most careless and spend on things without thinking.
Given below is a list, that every one of us can refer to for reducing monthly bills by $100 or even $200.
Change your Auto-Insurance provider:
Sometimes loyalty can be costly. It is in fact considered beneficial, switching your policy once a while. A study on insurance policies shows that anyone can easily save up to $356 annually by researching insurance companies thoroughly.
However, if you do not have any extra time for researching different companies by yourself, you can always consult a local insurance agency.
Insurance agencies specialize in finding you quotes from multiple insurance companies and can help you save time and save money.
Save through Homeowner policy:
Raising the homeowner’s policy deductible amount can cause a decrease in the monthly premiums of the policy. The percent you save on the monthly premium may depend on the insurance companies or the value increase. Typically is you increase your deductible amount to $1000 then roughly there is a decrease of about 20% in the premium cost.
Start by Wireless Connections:
you have probably been paying for internet service month after month. If you want to save on the wireless bills, then all you need to do is spend time researching for an efficient yet elegant internet service provider, who can provide you with comparable plans at a competitive price.
If you are not using all the data provided in your plan, then it’s time that you switch to a lower tier which will save you some money. If you change plans smartly, you are expected to save up to $30 per month which is an excellent start.
Additional Tips
Many people who have an unused car in their garage wonder whether to keep insuring it or not. It might be a valuable classic convertible, the old vehicle you no longer use or your son or daughter’s car he or she won’t need this semester. So is it worth it paying for car insurance or not?
Minimum Insurance Coverage Laws Vary
If your car is registered and has legal license plates, then you should know that in almost every American state it is illegal to have an uninsured registered car. However, the minimum car insurance coverage varies, and this is something you should really look into. Remember that even though you might have no plans to drive the car at this time, no one is protected from a series of car problems and the vehicle in your garage might be your only option. Besides, you never know when a friend or relative of yours could call and ask you to lend it for a couple of days.
It is Not Completely Safe Even in the Garage
Despite the fact that your car is stored in a garage, it is not completely protect, and numerous things can damage your vehicle. While in the garage, your car is safer, but it is not completely protect from theft, fire or water damage, vandalism and so on. Cheap car insurance can save an additional expense and give you a peace of mind.
An Uninsured Classic Car is a Huge Risk
If you have a classic or antique car, then you should also know that these types of vehicles usually require special coverage policies. Many owners drive their classic car really rarely, and these vehicles spend a lot of time in the garage, sometimes they are there for years. But these cars a usually quite expensive and at some point, the owner might decide to sell it. Even these cars are in garages, they are not completely protected and getting damaged can lead to a lot of expenses or losses which could have been avoided with just cheap and affordable car insurance.
Contact a Professional
At the end of the day, if there is even a slight possibility that your car is needed on the road at some point, you should get cheap car insurance and keep the license plates on. And the need for car insurance is even greater if you have a classic car in your garage. It’s better to be safe than sorry, so getting an insurance for the car in your garage you don’t use right now is always the best decision. In addition, it is always smart to contact a car insurance company and get more information about the insurance requirements in your state and what the company has to offer for your stored vehicle.
New to Cheapest Auto Insurance?
A good way to make sure you are not over paying for auto insurance is to regularly check your current auto policy for coverages that you may not need. Here at Cheapest Auto Insurance we make sure to give you a quote based on your needs and thus getting you the cheapest option possible. If you would like to speak with a live representative call us at 918-744-5145 or to get an online quote click here!