One of the easiest ways to save money on your car insurance is to shop around. There are some easy and reliable ways to do this. One way to shop around for insurance is through the internet, almost every insurance company has a website that will quote auto rates. Another way to shop around is through a broker. An insurance broker is usually an independent broker that carries several different insurance carriers. An insurance broker desires your business and therefore will shop through the different insurance companies they carry to ensure that you have the lowest rate they can provide. You should always be sure to compare the rates that the broker quotes you with those of a few other insurance carriers.
If you are currently with an insurance provider that you do not wish to leave no matter how much you are paying, it may be ideal to inquire about auto insurance discounts. Insurance companies offer plenty discounts for their clients that will help reduce their auto insurance premium. Almost all insurance companies will give a discount on the auto insurance policy when a client carries their homeowners or renters insurance with them. If you carry your homeowners or renters policy with another carrier, it may be a good idea to call your auto insurance company and ask for a quote for this policy as well as how much the discount will be applied to the auto insurance. If you do not carry a renters policy, you may want to inquire into this policy. It may give you a discount on your auto policy and provide coverage for your belongings at a surprisingly low rate.
Most auto insurance companies will also give discounts for several auto policies that are insured with the company. If you have more that one auto policy, be sure that the auto policies are linked together. There are incidents where the spouses carry different names or the young driver’s policies are not linked together as one household. This discount can be substantial, so making sure that it is applied is worth the effort. Some people also carry two auto insurance policies with different auto policies, it may be worth it to have all the auto policies at one company to be able to receive the multiple auto policy discount.
Most auto insurance companies, such as Cheap Car Insurance and State Farm, will also apply a safe driver discount for a few different reasons. One reason is due to lack of auto accidents or traffic violations. If it has been awhile since you were in an accident or receive a traffic violation, call your agent to inquire if you are entitled to this discount. Many insurance agents will also apply a safe driver discount to senior citizens that take driving courses. Before taking the classes call your insurance company to inquire what classes and what discounts that may apply. Young driver’s may also receive a discount by taking a drivers education course. Since young driver’s premiums are always high, this is a good discount to call your agent about.
It is always a good idea to call your current agent and inquire about discounts that the company may offer before shopping for auto insurance.