Eight Smart Ways to Get Affordable Auto Insurance
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We secure our home and life with the best insurance but have you ever thought your possession is also asking for insurance.
Life is unforeseeable. You never know when you get hit by a vehicle, or you hit someone badly. Therefore, to play on a safer side, you must avail the services of best short term care insurance companies. Doing so will not only compensate you the money after an injury but will also stand along with you in any court trial.
Now, the biggest myth is that you have to pay dollars of bucks to get the services of the best short term car insurance companies. However, what if we say that today you going to find out those eight magical tips that will bust this misconception. Stunned? Below are eight short-term ways of getting cheaper auto insurance to lower their auto insurance rate. Worry not we are not going to ask you to make any significant life-changing events, for example, moving to a smaller town or buy a home or get married or something like that.
Let’s Unfurl These Eight Tips from Our Pandora’s Box:
1- Be Confident While Taking Quotes from More than One Company
First thing first. Don’t be afraid to get quotes with other companies. This is one of the biggest money savers but, it’s also one of the things that people neglect to do experts recommend that you should shop around at least every two years for cheaper auto insurance. Very few people actually do it and remember that the more companies you quote with, the better your chances of getting a lower rate. Therefore, it’s very efficient to quote with an independent agent where you get multiple company quotes at once instead of shopping around with just one company at a time number two pay for your policy in full this is another big money saver. Sometimes up to 20 to 30% when you pay your policy in full, you get the highest discount.
2. Easy Payment Option
The second best option is to have your monthly payments automatically withdrawn from like a checking account. Some companies allow you to do it from your credit card, but at least that way would cost you less versus making monthly manual payments. Therefore, before you take a business insurance quote or the auto insurance one, make sure that this type of option is available.
3. Get Auto Insurance for Minimum 6 Months
Carry active auto insurance for at least six months without a lapse in coverage by doing so you get what’s called a prior coverage discount. Moreover, depending on the company you can range from anywhere between a ten to twenty-five percent savings sometimes even more. Many companies will also give you more of a discount if you’ve had coverage a lot longer than six months and some also give you a boost in the discount if you have higher levels of liability coverage than carrying in state minimum levels. Now, this is important if you didn’t have prior insurance before make sure to recoat again after you’ve had coverage for six months that’s when you’re going to see the savings.
4- Paperless Discounts are Also an Alternative
This is probably not as big of a money saver as the free I mentioned earlier, but it’s still significant nonetheless, and it’s very easy to do. All you need is an email address to sign up for a paperless discount and documents that are not required by law to be sent through the mail. Further, they’ll go to your email instead and just by doing so you’ll save several percents on your auto insurance.
5- Driver behavior discounts
This has to do with drivers who are low mileage drivers. If you drive a lot less than the average person you’re a prime candidate for this discount companies will use different methods depending on who the auto insurance company is. Some of them will use plug-in devices that are easy to install an app on your phone. Some want to check your odometer on occasion, but if you don’t drive many miles, you should seriously look into this because some of these discounts tend to be very significant.
6- Anti-theft device discount
If your vehicle has an anti-theft device be sure to check with your agent to see if a discount is offered and if so make sure that the discount is being applied to your policy. Many vehicles will qualify but are not getting credit for it. Therefore, buzz in and get the best out of the point.
7- Defensive or Safety Driving Course
Many companies fall for a discount if you’ve taken a recent defensive driving course or safe driving course if you or any of the other drivers on your policy have taken such a course. Make sure to ask your agent about applying that discount.
8- Good Student Discount
If you have a young driver on your policy who gets good grades in high school or college, then this discount is usually a big money saver, and you don’t have to be a straight-a student or valedictorian to qualify usually. With most companies, a GPA or higher or a recent honor roll or Dean’s List certificate is all that it takes to qualify.