A Guide to Getting the Best Car Insurance Deal

Getting the best car insurance rate can seem exhausting. This gets even harder when you consider that many insurance agents are reluctant to volunteer information about the discounts and discounts they have.

So getting the best car insurance rate means arming yourself with the facts.

1) Compare Premiums

The first thing you want to do is compare the premiums. Rates in your area may differ from place to place or from one agency to another. Sure, they may not differ significantly, but even a percentage point or two can help you save quite a bit of money in the long run.

Visit the websites of different insurance companies and compare the rates offered to you. State insurance agencies often have pricing guides, but the categories used by the companies you’re considering may not match yours, so use a guide yourself to find the most cost-effective insurance agents in your area.

2) Family

If you have teenagers in your family, exactly anyone under the age of 25, manage them carefully. Young drivers tend to pay more because they are accident prone. Statistically, these decrease when they reach 25.

However, if you have children, encourage them to keep their grades high at an average of B or more to get discounts on their car insurance. Students can save between 5% and 25%. They can also be given a large discount if they complete approved driver training courses.

Families of students who spend part of each year at a school more than 160 km from home and need a family car for this may also receive a share of the costs.

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3) Careful Driving

Children are not the only ones who need to be careful drivers on the road. Many insurance companies offer a 5% discount to those who keep it clean for three consecutive years, and a 10% discount to those who spend six years without any accident or violation.

You can even get discounts if you’re female and the only driver in the family, a non-smoker, a veteran, or a member of a particular occupation that is statistically less prone to accidents (usually law or medicine), depending on where you live.

Other discounts can be obtained from taking defensive driving courses, driving a rideshare, or maintaining low mileage in your car. If you join a data tracking program where insurance companies monitor your driving habits, you can usually get a discount for that too.

All of these rates depend on your location and which company you use. Also, you may not qualify for a discount for one month, then you may qualify for the next month.

You should keep a close eye on the insurance company and make sure you get the discounts you deserve, because they won’t be the next in terms of what savings you can make. Asking about these programs can only help you save money, it won’t hurt you. So call your agent today.

About Lily Hammond

I have been working as an insurance consultant in my own insurance agency since 1998. Because I've been doing this for so long, I know every detail and I'm here to help you. You can find my e-mail address and work phone on the contact page.

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