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Seven Tips on How I Received a Cheap Auto Insurance Rate

Updated on July 18, 2017
Pam Morris profile image

Writing is my passion. I have an undying thirst and quest in the field of writing. Some eat, drink or use drugs when stress, I write.

There are different ways to get the best rates for Auto Insurance and getting the best rate is something everybody would like to do. Trying to find just the right insurance plan for your car can be an incredibly complicated affair, especially since each state has a legal requirement that should be met each year for citizens to be able to operate their vehicles lawfully on the streets.

In the state of Georgia, where I live, drivers need to maintain continuous auto insurance coverage and comply with the law by maintaining at least $25,000 body injury liability coverage per person and $50,000 per accident, as well as $25,000 in property damage. To ensure I comply with Georgia’s insurance law requirements, I learn the key to saving is comparing all the big names in the auto insurance industry such as State Farm, Geico, Allstate, and Progressive.

When purchasing a car, we’ve never bought a car without shopping around. Moreover, if we have in mind what we are shopping for we would not waste our time checking out something else, so with your car insurance, it should be the same way focus only on the type of insurance plan you have in mind. To make sure you get the maximum price for your monthly payment, it is always a good idea to shop around and compare plans that are similar. Below are seven ways by which I received the best rate on my auto insurance.

1. Compare Car Insurance Quotes

Firstly, I called insurance companies that interested me and got their various quotes. Then I compared the quotes. When I was unable to get an agent, I logged online on their websites and entered my information to receive quotes as they are available online any time of the day.

Before I made a final decision and purchased the new policy, I did some research online to find as much information as possible on the company I plan to move forward with. Also, I did my homework by doing research with the Better Business Bureau to see if the company had any complaints about not paying for accidents.

2. Study on Car Insurance

To fully understand the insurance concept, I had to know and understand what I was up against really. Studying car insurance and insurance companies helped me to develop a good understanding of the insurance cover, how much I could save and what I would pay each month.

3. Get Online Quotes

Getting online quote is a good way to learn how to receive 5% on the first term total discount. Although for some this may not sound like a big saving, combine it with other discounts and the savings will begin to add up.

4. Know how much deductible/liability is needed

Do extensive research and learning more about car insurance it will help you understand how much deductible you need as far as coverage is concerned. When an individual does not know what type of coverage they need, sometimes they are paying extra money that they do not need to pay. I learned how to increase the amount of monthly payment. Also, I know what should be given if I have an accident, as well as how much liability I need to comply with the law.

5. Switch & Save Discount

Take advantage of the switch and save benefit by searching for companies that offer this program. Always look for insurance companies that provide a program that ensures you get all of the savings that you deserve. With different companies, you will receive at least 5% off your premium for up to two terms.

6. Multi-line savings

Combine the homeowner's insurance with your auto policy. Different companies offer hundreds of dollars off per year this way. If you use one company for all of your insurance needs, you save yourself time and money.

7. Paid-in-full discount

Pay the policy in full is a good way to save if you can afford to pay your premium in full for six months or a year. You will receive a competitively priced premium in such a case. The Paid-in-Full auto insurance can save you time, hassle, monthly deductions and postage costs by eliminating monthly bills. It can also reduce your car insurance premium from 5% to up to 11%. So instead of dealing with scheduled installment payments, why not conveniently pay your entire premium in full and experience instant savings!

It is my recommendation that females do as I did; that is learned about car insurance because I found out that we pay more than any male since we know no better. This way you will always know whether your policy needs to be changed, as well as how and when to review your current policy. If you are not sure how to determine when auto liability changes might require your attention, to revise coverage limits or to add new coverage, then you might be paying too much.

Do you agree if you in the market for car insurance it best to research and get the best rate?

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© 2015 Pam Morris

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      Ankurpatel1397 2 years ago

      Awesome Hub Pam