10    Tips For Cheaper Car Insurance Rates

   1. Know that insurance cost varies for different cars and models. Also, the cost of insuring a used car may be more than that of a new one.

   2. Don’t presume any insurance company to be the best; rather, do your own research or survey of all available insurance companies and choose the best, and the cheapest. Shop round and do not depend on mere window-dressing commercials aimed at baiting ignorant clients.

   3. Try to pay your premiums at once, say six to twelve months in advance. This helps to cut down certain hidden costs and save money.   

   4.  Look for auto insurance companies with appreciable discounts and the conditions for such discounts. For instance, if your car has an anti-theft garget, it may reduce your premiums. 

   5. Make sure you have good driving records. Car insurance companies like to deal with drivers who have clean records of driving as this helps to minimize risks and losses/liability when you are eventually signed in to their insurance policy. Hence, they give you lower auto insurance rate.

   6. Consider Bundle Insurance with other insurance policies, which means combining your auto insurance with other forms of insurance such as home insurance. It’s also wise to consider insuring multiple cars on one auto insurance policy.

   7.  Consider local and regional auto insurance companies with good track records.  Check this out with independent sites like Google, yahoo search, etc. Alternatively, you may consult with insurance agencies who represent multiple companies; they can help you select good auto insurance companies with relatively low cost.

   8. Narrow down your choices to either two or three. Check out their terms, the premiums, the coverage.

   9. Make sure you attend a government-accredited driving school before obtaining a driver license. This gives the auto insurance company an assurance of minimal risk when you become insured by them.

  10. Maintain a good credit status and pay your bills on time; this is part of the calculation and a determinant factor to be considered for auto insurance policy. It shows whether or not you will be able to maintain the policy or pay your premiums regularly, when you eventually sign in. Your credit status also correlates with your insurance claims.  
       








      
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