How to Get Cheap Car Insurance

If you are looking to get cheap car insurance realize that this is a misnomer. You can, though, reduce the price of your car insurance by reducing your coverage. You can also reduce your cost of car insurance by speaking to your insurance agent about applicable discounts for which you might qualify.

1. Choose state minimum coverage for your least expensive car insurance option.

• ach state has its own requirements for liability insurance coverage. Indiana, for example, requires coverage of $25,000 to cover bodily injury to or death of one person in any one accident, $50,000 to cover bodily injury to or death of two or more people in any one accident, or $10,000 to cover injury to or destruction of property of others in an accident.
• Visit the website of the insurance companies that help with state minimum coverage including Safe Auto or The General.
• Click on the request a quote option, and fill out your information truthfully. Screener questions will include what state you live in, the number of drivers you are insuring, the number of vehicles to insure as well as the coverage you are expecting. Most sites can give you a quote in minutes.

 2. Consider reducing your coverage, but keep it above state minimum if you are only looking to reduce your costs temporarily.
The first two options to consider revising if you are in a financial crunch would be your comprehensive and collision. You can lower your costs by increasing your deductibles in these two areas.

3. Ask your agent to lower your liability and medical payments insurance.
 

4. Question your agent about whether their company offers multi-car or multi-line discounts. By adding more policies to your coverage, most insurance companies will help you reduce your cost by around 20 to 40 percent.
 

5. Confer with your agent to see if anti-theft devices will help lower the cost of your coverage. If so, invest in the devices that qualify you for a discount.

Pay online or have your payment directly withdrawn or debited from your bank account. Some companies can also set you up to pay via credit card on a regular basis. All of these options can be cost savers because they reduce the amount of postal mail and printing costs for the company.

Tips

Don't be afraid to compare prices on car insurance, but make sure that you are looking at coverage as well. You want to make sure that you are comparing apples to apples and oranges to oranges. A price may seem lower, but if you are not comparing the same coverage, you may be hurting yourself in the long run by not purchasing enough or the correct coverage.