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Low Cost Car Insurance Guide

Updated on May 5, 2011

The car insurance industry is a competitive market - so think twice before you say car insurance is expensive. With so many companies flooding the insurance market, low cost car insurance cannot be far behind. However, even the consumer can take a few steps if he or she is really keen on getting a cheap auto insurance policy.

Most car insurance companies will reduce your premium if you agree to pay a higher deductible than the minimum required by your coverage as this reduces their exposure to a certain extent in the event you send your car for repair after an accident. If you are really interested about getting a deal that offers low auto insurance cost and your deductible is less than $500, it is high time you gave a call to your agent and raise the deductible amount.

If you already have any other insurance policy with a company such as life or medical insurance and the company also offers car insurance, do check with them if they will be able to provide a cheap car insurance for you. This is highly possible as you are already their customer and they will have a better understanding of the risk involved in providing you insurance.

Some providers will agree to provide you with low cost car insurance if you bring to their attention the number of safety features that your car has such as additional airbags and alarms and devices that can avoid theft. It is worthwhile investing in these features not only for low cost car insurance but also for the safety of the individuals traveling in the car.

Another way of ensuring low cost car insurance from your provider is to attend a driving safety course. Most car insurance providers give you a discount if you can produce a record of you having attended such courses. You can either enquire online or check with your local motor vehicles authority for more details regarding the courses.

Think about your coverage and the policy term. Do not go for an automobile insurance coverage that may not be relevant for you. Sometimes, going for long term policies can be beneficial. Your premiums can keep rising in an annually renewing policy if you have been involved in any accident. Attention to such details can help you get low cost car insurance.

Sometimes, you may be involved in an accident but your car may have escaped with no damages. If there is also no third party damage, it is best to make a visit to the local garage and get it repaired instead of calling your insurance provider if you desire low cost car insurance. This is because not only will your insurance provider raise your premium the next time your policy comes up for renewal, low cost car insurance from other insurance providers may also be a dream now that you have record of an accident in your driving history.

If you want low cost car insurance for your new car, go for a performance car that is known to carry a low premium.

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