• Getting the Best Discount Auto Insurance Rates and Deals

    In times of small budgets and huge expenses, everyone is looking for discount auto insurance rates. While you may assume your insurance company will just give you these discounts, there are actually a lot of savings opportunities out there you may not know about. If you mention the right ones at the right time, you could save yourself a lot of money.

    Know What You Currently Pay

    It’s obvious that you can’t save money if you don’t know where you are starting from. Call up your insurance company to find out exactly what you pay for your current auto insurance policy. This may be a six month rate or a monthly rate, depending on how you have your bills broken up.

    Compare Quotes

    You can eventually see if your current car insurance provider will offer you savings, but if there is one that has a significantly cheaper policy out there, you might as well switch and then save even more. You can use the Internet to compare different insurance providers based on the coverage you need in your policy. Many sites out there give you a chance to enter your basic information and then compare different policies from different people all in one location. You can glance over those and quickly see if you should switch providers.

    Check Your Discounts

    You may already have some discounts accounted for, so look into that before you ask for others. If you took a driving course, for instance, you should see a discount automatically for that. The same would go if you are married. That’s something your provider should automatically add to your policy. Elderly people sometimes save on car insurance, depending on their driving record. If you have a good record at all though, you should have a corresponding discount. If all of the basics are out of the way, you can move on to other discounts available.

    Bundle Your Insurance

    One of the easiest ways to save money is to combine some of the insurance policies you already have into one package. Health, life, dental, home, and renter’s insurance can be packaged with your auto insurance. If you combine all of these with one insurance provider, you can actually save money because of your loyalty. You will also have one convenient bill a month, which may save you a lot of hassle in the end.

    Look into Other Discounts

    There are some discounts offered on a state-to-state basis, so you may see what special offers are available in your area. Beyond that, your driving record may be one of the biggest factors into your rate. Try to avoid tickets and accidents of any kind, and go to driving classes to save money. Your credit score may also come into play, which means you must keep up on your payments. With some wise decisions in life early on, you could be racking up a lot of discounts soon.

    Where to Find Deals

    Finding cheap car insurance is not all that easy in this current climate. Some providers are still trying to vie for your business and they will still make special offers and discounts for the right type of customer. Clearly they are looking for responsible drivers with good credit and squeaky clean driving histories, but it’s not impossible to find cheap car insurance. PROGRESSIVE has an excellent reputation for finding good car insurance for safe drivers. You can almost tailor make your own level of coverage too.

    Old Favorites

    AllState, GEICO, Nationwide and State Farm are also well known names in the insurance business and you can get excellent deals with them if you have a good record. You must always keep in mind that drivers with a better history will get preference when it comes to discounted policies. It is unfortunate that some lesser responsible drivers are the ones who push up the prices for other people, but it is a fact which cannot be ignored.

    You may also know of a local provider near your home, who can offer you a good discount on your car insurance policy. Always look around and get multiple quotes on prices and protection before you make a final decision.