Low Car Insurance Rates (5 Tips)

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In a nutshell...
  • Car insurance rates can vary widely from one provider to another for the same coverage
  • Car alarm often get a discount from car insurance companies because it reduces the risk of theft
  • One of the quickest ways to get cheaper car insurance rates is to increase your policy deductible

First, you always have to find a balance between the word “cheap” with the word “reliable” since the last thing you want is find out your car insurance policy does not have enough coverage to pay for your damages.

Once you find the type of coverage you need though there are many things you can do to get the best car insurance rates around.

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The Top Five Ways to Get Low Car Insurance Rates

#1 – Always Provide Details

Car insurance companies often ask only a standard set of questions to produce a quote, but many times you can get cheap car insurance quotes by merely disclosing a little more information.

For example, do you work from home and rarely drive? Low mileage discounts can often account for savings up to 50 percent on car insurance policies.

Try to provide as many details as possible and specifically ask about all the car insurance discounts available to see if you qualify.

#2 – Compare Car Insurance Companies

Car insurance rates can vary widely from one provider to another for the same coverage. Shopping around for car insurance should be mandatory for all drivers.

#3 – Take a Higher Deductible

One of the quickest ways to get cheaper car insurance rates is to increase your policy deductible. Even a small increase from $250 to $500 can reduce your premiums by $100 or more.

Of course, this also causes you higher financial exposure in the event of a claim but deeding on your budget its worthwhile to consider higher deductibles if you can afford it.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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#4 – Low Mileage Discounts

Most car insurance quotes are based on the assumption that you commute to work.

If you use public transportation or work from home or have a car for free weekend excursions and errands than ask about low mileage discounts.

Those drivers who drive less can qualify for a small mileage discount with many car insurance companies, and the savings can be substantial.

#5 – Add an Anti-Theft Device

Car alarms, LoJack or other similar anti-theft devices can often get a discount from car insurance companies since they automatically reduce the risk of your car being subject to theft.

However, before buying any aftermarket device make sure to check with your car insurance companies about approved devices.

While most factories installed anti-theft devices automatically provide car insurance discounts, many aftermarket parts do not.

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