Tips for Getting Cheap Auto Insurance Rates

Summary: Learn how to qualify for cheap auto insurance coverage.

Getting a quote for auto insurance online is easy... but finding cheap insurance can be more of a challenge. It takes diligence and knowledge. Here are a few tips to help you find the cheapest auto insurance available. Safety Features Make sure your vehicle is well built and "safety" feature rich. You should get cheaper premiums for adding anti-theft devices, car alarms or a good tracking system since these items reduce the risk of your car being stolen. Defensive Driving Take a defensive driving class. Certification will help you in your quest to locate cheap auto insurance and can reduce your premium for up to three years. Comparing Rates The automobile industry is fiercely competitive. Premiums can vary by as much as 300% for the same coverage. Be sure you are comparing apples to apples on the features you need the most when searching for cheap auto insurance. Complete Application If you don't complete the application in full, the insurance companies are not going to give you a quote for their cheapest auto insurance and you won't find out about any of the discounts you may be eligible for. You'll simply get a higher rate quote by default. Be sure to enter your marital status, how many licensed drivers are in your home, your car's safety features, your zip code, the miles you drive, etc. Increase Your Deductible You can also reduce your rates by selecting a higher deductible. Generally the higher the deductible, the lower the premium. Your savings can be as much as hundreds of dollars by increasing your deductible from $250 to $500. Cut Back on Your Miles If you travel less than an average of 40 miles a day, you'll more than likely qualify for a low mileage discount. If you must travel more, car pool or use the public transportation one or two days a week to reduce the miles you drive. Color of Your Car Statistics tell us that red cars are involved in more accidents than any other color. If you want to find the cheapest auto insurance, avoid buying a red vehicle. Who Drives What Car the Most? Compare quotes with the man as the main driver and the woman as the second driver and vice versa on each of your vehicles. Always, place your younger drivers (teenagers) on the safest vehicle you own, such as the family station wagon or the family car. You'll never find cheap auto insurance by putting your teenager on a sporty little two door vehicle.