How to Insure your Car Cheap

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These days with all the car insurance companies out there competing for your business it’s quite easy to insure your car cheap.  They key is to not take the first quote that comes alone, but to shop around instead.  Insurance rates vary greatly among providers as each one applies a different weight to different factors such as experience, accidents and gender.  You can use this to your advantage when you need to insure your car cheap.

First off, you really need to shop around, you shouldn’t automatically assume that the largest car insurance companies will give you the best price.  The fact is, large insurers spend significant amounts of money on advertising, and pass this cost on to you.  Don’t be afraid to at least get a quote from a smaller insurance company if you really want to insure your car on the cheap.

One of the easiest ways to save on your insurance is to take a defensive driving course, you’ll be able to get a discount on your rates.  To insure your car cheap it can really pay to be proactive and take this course, especially if your rates are usually high.

If you haven’t purchased your car yet then try to get a less expensive vehicle, they’ll be a lot less to insure.  You can’t really expect to insure your car cheap if you buy a Ferrari.  Also, don’t buy a sports car for a new, inexperienced 18 yr old driver, this isn’t good either.

Insure your car cheap to save some money!

A good strategy to insure your car cheap is to take a larger deductible; you can increase your deductible to $1000 and just put a grand in the bank.  It works out the same but at least you’ll save on rates and earn interest on your money.

Some more things to consider to insure your car cheap..

Don’t assume you’ll get a great rate by adding a second car to your current policy, shop around, you may in fact be paying too much for the first car too.  Call, or do an online quote and mention you have multiple vehicles.  Remember, they want your business and they’ll mostly work with you to get it.

Also, if your state allows credit checks for insurance then it pays to try to clean up your report before shopping for insurance.  It’ll be hard to insure your car cheap if your credit report is full of problems.

Filed Under: Insurance

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About the Author

Hi there!, My name is Norm. I am a college grad, a veteran, a pet owner and a family man. I started writing articles both to make a little extra money, and to share my knowledge with others. I currently work in the IT department of a major NY hospital.
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