How do I save on car insurance?

Question

I want to save on car insurance.....what factors can lower your rate? I need to know things such as an alarm, and kept in the garage, but what other factors can help me getting a low rate?

Answer 1

I found a low rate by joining AAA.  It cost me an extra $50 per year membership fee but the actual rate itself was so much lower that it was worth it.

Answer 2

Ive apparently been programmed to say "by switching to geico"

Answer 3

Alarms help but not much it only takes premium off of the "other than collision" premium, nothing else.  Raising your comprehensive & collision deductibles helps.  Also, if the car is older, you do not have a loan & you can afford to lose it in an at fault loss, you can delete comprehensive & collision.

Probably the biggest savings to your auto is if you have your auto & homeowners or tenants policy with the same company.  Many companies offer an account credit if you have both of these policies with them.  If you rent & do not have a tenants, many times the savings on the auto policy will pay for the tenants policy (many tenants policies only are $150 per year so if you are paying $1500 in auto insurance & the account credit is 10%, you will have 2 policies for the same price as one).  If you own your home you probably already have a homeowners policy so get your auto quotes with your homeowners carrier (if available - some companies only write homes) or get your home quoted with  your auto carrier (if available).  If neither writes both policies, start shopping around for the best deal.  Call a good local independent agent & they should be able to help you.

Answer 4

You may want to try a site that compares multiple companies at once to get you the best price. I'm paying less than  after I did.

If you want some more information, I would check out...

http://insurance.deal4-you.com

Take care.

Answer 5

What kind of car do you have and how many miles ?

You can probably lower your rate the easiest by raising your deductibles especially if you can live with some minor dings and dents that don't get repaired.