Auto Insurance is a
major cost in owning a car. If you are looking for new Auto Insurance or
haven't gotten a competitive quote against your existing Auto Insurance
within the past 12 months, you could be wasting money. Choose from the
companies below that offer Free Auto Insurance quotes.
Insurance agents have a lot
of leeway in Auto Insurance pricing. Insurance Agents can adjust your
premium by offering many discounts such as good driver discounts, multiple
autos discount and even discounts for insuring both your car and your house
with the same agent. You can also adjust the premiums you pay by adjusting
your coverage deductibles. For example, if you change your deductible on
your collision from a $50 deductible to a $1000 deductible, you may see a
large premium savings. If you don’t think you could come up with $1000 out
of pocket, then change it to a $500 deductible; you’ll still save a sizable
amount on your annual premium payment.
You can also get more of a savings if you change your comprehensive
deductible. Many people needlessly carry full coverage on their older
vehicle. They originally purchased the vehicle new, paid for full coverage
and to this day, continue to pay the same high rate. Once your car is paid
off and after it is over 7 years old, your vehicle may be worth $1000 or
less, so why pay $250-$450 every six months (total $500 to $900 dollars a
year) to keep full coverage on their old vehicle. Even if you keep this
coverage, chances are if you have an accident and totaled your vehicle, the
insurance company will only pay the wholesale value of the vehicle and the
amount you receive could be $1000 or less. A vehicle that old just needs the
insurance that protects the other person in case of an accident.
Another method to save more on your insurance is by combining your vehicles
and other insurance together to get you additional savings. All insurance
companies offer a multi-car discount (if yours doesn’t, it’s time to switch
companies). Further, many will discount more if you have your homeowners or
renters policy with them.