I Need Really Cheap Full Coverage Auto Insurance

Reader’s Question:

This is quite a simple question – how can I get cheap and I mean really cheap full coverage auto insurance? I would really appreciate it if you could give me tips that are within my control. Thank you!

Aurora

Boise, ID

Hi Aurora! So for you to get really cheap auto insurance here’s what you should know:

• Get higher deductible. Instead of getting a deductible for $200, it would be better to get $500 or even $1000 to save more on your insurance premiums.
• It’s time to start cleaning up your credit score if you need to. Why? because your credit score affects your auto insurance rates too. The better your credit score is, the better insurance rates you will get.
• Drive an inexpensive car. If you are fond of driving fancy cars, then your auto insurance rates will be astronomical. In the opposite driving an old and cheap vehicle will save you a lot on your insurance premiums.
• Assuming you are driving an old vehicle, removing collision coverage could help you save more too.
• If you have health or home insurance then it would be better to get auto insurance policy from the insurance providers you have for your home and health insurance.
• Shop around. I guess you have an access to the Internet, so start shopping for insurance quotes. That’s your best shot in finding the best auto insurance deal. Just make sure you know how to compare auto insurance quotes the right way.

I would recommend you start shopping for your auto insurance quotes now so you could start finding the cheapest insurance deal as early as now. Good luck!

I Need Low Cost Full Coverage Auto Insurance

Reader’s Question:

How can you get low cost full coverage auto insurance in your policy?

Jean

Chicago IL

There are various ways to get cheap car insurance. Read on.

1. Shop around for auto insurance quote. Insurers change their rates all the time and rates vary from one company to the other. Make sure you always shop around to see which company offer the best rates.

2. Choose efficient vehicle. Hybrid cars are said to have low cost for repairs.

3. Maintain a good driving record. Some insurance companies provide safe driver discount with a policyholder that has a clean driving record.

4. Keep your policy active. Avoid having lapse in your policy.

5. It is advisable that before you buy a car, check the insurance cost first

6. Drop collision and comprehensive if you have an older vehicle.

7. You can get discount if you purchase more than one insurances from the same company. You can get as much as 20% discount if you can get homeowners or renters insurance as well.

8. Make sure that you keep a good credit rating. Auto insurance companies check your credit record when determining car insurance rates.

9. If you drive less, you may be eligible for low mileage discount. Remember to inform your insurance company on your next renewal.

10. Choose the highest deductible that you can afford.

Lowering Your Comprehensive Car Insurance Premium

Reader’s Question:

Well, you all know we’re in a recession, so I’d like to know how you guys got to save on your comprehensive car insurance?

Daniel

St. Paul, MN

Yup, we’re in rough times, no question about it. The good news is there are several ways to save on your comprehensive car insurance.

First of all, I suggest that you review where you are right now. Check how much have you been paying for your comprehensive car insurance versus how much coverage your premium is getting you.

Second, do you know how much your vehicle is worth right now? This will help you gauge how much insurance you actually need for your vehicle. If you’re driving an old car, maybe it’s time to lower your insurance coverage. After all, it will not cost as much to replace or repair your car now than it would have if it were brand-new.

You might also want to check out your options for your deductibles. The deductible is the part of the bill you will have to shoulder if something happens to your car. For example, if your deductible is pegged at 10% of the cost of repairs, and the shop sends a bill for $1000.00, you have to pay $100 while the car insurance company pays for the remaining $900.00.

If you’ve been signing on with the same company for your comprehensive car insurance and have made no claims against your policy, I think it’s about time you ask for a discount. Some car insurance companies also give discounts to policy holders whose vehicles have security devices installed. If you have a car alarm or tracking device on your car, be sure to let your car insurance company know about this and negotiate for lower premiums.