• Car Insurance Tips for Getting a Lower Rate

    Nobody wants to pay too much for car insurance and money-saving car insurance tips will help you avoid doing just that. Unless you know how and where to begin, finding affordable car insurance can require a lot of time and effort. So, here are some tips for finding car insurance at the best rates.

    Your Driving Record and Car Insurance Rates

    One of the surest ways to save money on your car insurance is to make sure that you have a clean driving record. Even if you’ve had speeding tickets or other driving infractions in the past, it is never too late to start improving your driving record. The amount that car insurance companies will charge you for an insurance premium is directly connected to your personal driving record. If you are able to keep your driving record clear of any speeding tickets or other infractions for at least two or three years, your car insurance premiums will decrease considerably.

    Use the Internet to Shop for Rates

    While you could spend a lot of time calling the different insurance companies in your area to request car insurance quotes, the Internet makes it so much easier and faster. You can compare insurance quotes from several companies at once by visiting websites like Insweb, or by filling out the form below. These types of websites allow you to enter information regarding your personal driving history as well as information about your vehicle. You can then submit your quote request to several companies that will send you premium quotes directly to your e-mail inbox. You can then choose an insurance company that provides the type of coverage you need at a price you can afford.

    Take a Driver Safety Course

    Regardless if you’re still in school or graduated many years ago, it is never too late to take a driver safety course. A driver safety course is designed to make you a better driver, and most insurance companies will reward your successful completion of a driver safety course with lower insurance premiums. If you’re still in school, enroll in a driver education course, and if you have graduated – find a private school in your area that teaches driver safety training.

    Consider Liability Coverage

    If you drive an older vehicle or a vehicle that is not really worth a lot of money, you might want to consider purchasing a liability insurance policy. Sometimes, you will find that maintaining a full coverage insurance policy on an older car will cost you more in insurance premiums than the value of the car. If this is the case, choosing a liability policy will save you hundreds of dollars every year.

    Consolidate Coverage

    If you are a homeowner and have a homeowner’s insurance policy, you might want to consider giving that insurance company your car insurance business as well. Many larger insurance companies that provide homeowner policies also insure automobiles as well. If you use the same company to insure your home and your car, you will usually be rewarded with a significant discount. Most insurance companies offer multiline discounts of about 10% to 30% for customers that have two or more types of coverage. So, call your homeowners insurance agent and ask them if they provide car insurance as well. If they do, you almost always save money.