Learn Nine Ways To Lower

YOUR AUTO INSURANCE COSTS And Get the Best

Auto Insurance Quote

You may not realize it,

 Here are a number of things you can do right NOW to Get A Better Auto Insurance Quote and Lower YOUR Car Insurance Costs.

1. Shop a round & compare auto insurance quotes.

Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around for autoinsurance.  Ask your friends, check the internet or call your state insurance department for a listing of discounted auto insurance companies with great rates and best auto insurance quotes. "Yes", You can also check consumer guides for best Auto Insurance Quotes. The auto insurance agent or company  will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't shop price alone.

The auto insurance company you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of auto insurance agents to get a feel for the quality of their service. Ask the autoinsurance agent what they would do to lower your auto insurance costs.

Check the financial ratings of the auto insurance companies that you would like too host your auto insurance policy to see if the company is in good standing.  Then, when you've narrowed the field to three auto insurers, get your car insurance price quote.

2. Ask for higher car insurance DEDUCTIBLES .

Auto Insurance Deductibles is the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your car insurance costs substantially. For example, increasing your car insurance deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

3. Drop Collision and/or Comprehensive auto insurance coverages on older cars.

It may not be cost-effective to have collision or comprehensive coverages on cars worth less than $1000 because any claim you make would not substantially exceed annual cost and insurance deductible amounts. Auto dealers and banks can tell you the worth of cars.

4. Eliminate Auto Insurance Duplicate Medical Coverages.

If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto insurance policy. In some states, eliminating this part of autoinsurance coverage could lower your personal injury protection (PIP) cost by up to 40%.

5. BUY A "LOW PROFILE" CAR.

Before you buy a new or used car, check into auto insurance costs to maintain that particular vehicle. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.  You Can find out more information on auto insurance highway loss data by Writting to:

The Insurance Institute for Highway Safety,

1005 North Glebe Road,

Arlington, VA 22201

                                    Ask for the Highway Loss Data Chart.

6. Consider the Auto Insurance cost of the area you live or wish to live (If you are making a move).

Auto insurance costs tend to be lowest in rural communities and highest in center cities where there is more traffic congestion.

7. Take Advantage Of LOW MILEAGE DISCOUNTS.

Some insurance companies offer  car insurance discounts to motorists who drive fewer than a predetermined number of miles a year.

8. FIND OUT ABOUT special car features such as: AIR BAG and other new safty gadgets on your car that may give you an even more deep discount when asking for that Auto Insurance Quote.

9. Inquire about other Auto Insurance Discounts that can save you Big.

Some auto insurers offer discounts for more than one car, no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, anti-lock brakes and good grades for students. 

Here is a quick guide to for you to use while inquiring about Auto Insurance Qoute. 

INQUIRE ABOUT Auto Insurance Quote / Discounts:

                                                                       COMPANY A  COMPANY B  COMPANY C

$500 deductible                                                     _______     _______      _______

$1,000 deductible                                                 _______      _______      _______

More than 1 car                                                     _______      ______        _______

No Accidents in 3 Years                                       _______      _______      _______

No Moving Violationsin 3 Years                          _______      _______      _______

Drivers Over 50 Years of Age                             _______      _______      _______

Driver Training Course                                         _______      _______      _______

Anti-Theft Device                                                  _______      _______      _______

Low Annual Mileage                                              _______      _______      _______  

Automatic Seat Belt                                              _______      _______      _______

Air Bag                                                                     _______      _______      _______

Anti-Lock Brakes                                                   _______      _______      _______

Good Grades for Students                                    _______      _______      ______

Auto & Homeowners Coverage Same Company _______  _______      _______

College Students Away From Home Without a Car ______ _______     _______