Ways to Save Money on Your Car Insurance

It can be incredibly expensive to pay for anything and everything these days. Groceries, rent, utilities, and car payments can really add up to be a lot of money every month. People are always looking for way to save as much money as they can, wherever they can. Car insurance is one of those things can be really costly and really hit your wallet hard. Before you go out and buy that new Ford Fiesta in Costa Mesa, make sure you ask all the right questions about insurance. There are ways to save money on your car insurance to save you a little green to add to that rainy day fund.

1. First and foremost, you want to shop around. You never go out and buy the first great thing you see because you want to find the best possible price you can. Car insurance is the same way. You should call multiple companies to see what their rates are. What one company will charge you to insure a Ford Explorer in Costa Mesa may be way different than what another company will charge you. You could ultimately save hundreds just by shopping around.
2. Every company offers their own list of rebates and discounts. Make sure that you are getting every discount possible. Ask the agent that you are working with to check and double check that they are getting you all the possible discounts that they can get for you.
3. Many times people pay for coverage that they just don’t need. If you are driving an older vehicle, you don’t need to have collision or comprehensive coverage for the car. This step could save you a lot of money by keeping your money where it belongs, in the piggy bank for a rainy day. The general rule is if the value of the car is less than the yearly cost of insurance plus the deductible, there is no need it is not worth having collision on it.
4. Considering usage based insurance is always a possibility for car owners who do not drive that much or that far. It is coverage that is based on how far you drive. If you are one of those people who take the bus a couple days a week to work and school, looking into usage based coverage may be a great idea.

Just like with anything else that you are shopping for, make sure that you don’t jump on the first price you get because you may get it cheaper somewhere else. Compare the internet based companies like Esurance with the big insurance guys like Progressive. Do the research on who gives the best discounts and what they give them for. At least you will only have to do this shopping once a year.

Tags: car insurance
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