No matter where you live in the United States, you’re going to find that car insurance rates are extremely high, but instead of paying top dollar, there are some great ways on how you can keep your car insurance rates rather low. I’m going to give you a few pointers on how you can get the best car insurance rates, no matter where you live.
Compare your rates online
If you have a rate right now, it might be best to compare your rates right now on websites such as Esurance. These sites will enable you to input information, and they will respond with a few quotes from major companies such as State Farm, and Allstate. It’s 100% free, and a great way to compare rates since they will all be different.
Get higher deductibles
The higher you go with the deductible, the more you’re going to be able to save. Keep in mind though if that you do get into an accident per se, you’re going to have to pay a lot more out of your pocket. Even if you’re a safe driver, you can never rely on the other people on the road.
Get something simple
If you have an older car, and you wouldn’t really care if it was totalled, I would just insure your car with PLD based insurance. You can save 100s a year, but the only downfall is if you get into an accident, you’ll be required to pay for all the repairs. Insurance such as PLD is basically for those looking for personal liability protection.
Combine your policies
If you have homeowners insurance, or anything along those lines, you will find that companies will give you a discount if you buy all of your policies with them. Check with your insurance company, and see if they will do something like that for you if you combine your policies as one.
Just be careful
Yes, if you drive safe, this is going to tell the insurance companies something. Driving safe will not only lower your premiums, it’s going to be good for your car as well. Don’t drive recklessly, and don’t drive over the speed limit. If you can keep this in mind, you can watch your premiums stay rather low.
Try some of these tips above if you’re looking to save money on your insurance rates. As long as you’re safe on the road, and you look for newer rate quotes each and every year, you should be okay.
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