Don't assume that the first company that you talk to is the cheapest
Consider Large Insurers and Local Small Insurers:
Progressive, State Farm and Geico control over half of the nations insurance business. But smaller more local insurers, like Erie, sometimes will have better rates for customers with a preferred status and have better satisfaction rates.
Improve your credit score:
Your fico score plays a significant role in getting a good rate. Insurers believe that a good credit score correlates with less claims. You can possibly save thousands of dollars having a good credit score compared to a bad one. This practice is not allowed in three states: California Hawaii and Massachussets. Be sure to check your credit regularly.
Eliminate Comp and Collision coverage if you have an older car:
Collision will pay for the damage that occurred to the automobile that was the fault of the driver that was insured. Comprehensive coverage will protect you against vehicle damages not caused by a collision. Examples but not limited too Theft, vandalism, fire, hail, flood, animal damage. The max claim amount for either coverage can not exceed the value of the car if it’s victim to theft or a complete loss. If your car is aged and if the premium is more the 10% of the value, you should rethink whether it makes sense to pay for this coverage.
Make sure your getting all discounts. You may qualify for some of the following discount but not limited to:
-Multi Car discount
-Clean driving record
-Paperless statements (Online billing)
-Certain safety features (alarm, antitheft etc)
-Paying bill in 6 month term, or yearly term
-Being a member of certain professional organizations (AAA)
Be sure to compare Quotes and not go on discounts available alone.
Raise your deductible:
By raising your deductible to 1000 from a smaller amount will eliminate smaller claims and save your money in the long run.
Because car insurance policies can be so baring, your agent may over insure. Often bundling features that you don’t need. Why get something and pay for it if your don't need it? The keyword here is NEED. This is why you need to go over your policy from time to time and make sure your not paying for something that you done NEED. If there ever is anything in question about your policy, call your agent and have them explain in fine detail everything that is confusing.
Never let your Insurance Lapse:
If you let your insurance lapse then you will pay for it. This will eliminate all discounts that was provided originally. Make sure if you get new insurance to get proof of insurance from the insurer before canceling your old insurance.
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