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Nobody likes paying more for something than is necessary. Auto insurance is no different. Since it is required, you cannot avoid paying for insurance. But you do have some control over how much you pay. With cheap car insurance, you can save hundreds of dollars on your annual premiums. There are several ways you can get this type of insurance.
Driving Record
Customers with good driving records will have better rates than those with speeding tickets or accidents on their record. A clean driving record, especially over a long period of time, tells the insurance company you are not a risk to them. And, at the heart of it, that is really what your premium rate represents - the amount of risk you pose to the company. If you have blemishes on your record, work to improve it. This will take time as violations stay on your record for a period of time. However, you can enroll in an advanced driving course to demonstrate your commitment to safe driving.
Credit Score
Like your driving record, your credit history paints a picture for insurance companies. The industry belief is that if you have a poor credit score, you are more likely to submit claims. While this is not necessary true for every individual, it is based on industry experience. Many people are not even aware their credit score is used to determine insurance rates. Insurance companies do not have to get your permission to access that information so you may not know they have until you get a final proposed rate.
Discounts
Another great way to get cheap car insurance is with discounts. Insurance companies use discounts to reward customers who meet certain requirements. While they are not all the same, companies tend to offer standard discounts as well as their own discounts. The more discounts you receive, the more you save on premiums. It is possible to save hundreds of dollars on annual premiums with discounts alone.
Comparison Shop
Contact several cheap car insurance companies to get quotes from them for specific coverage. Be sure to ask about discounts. Then compare policies and rates to see which is best. If you want to stay with your current insurance agent but you received a better offer from another provider, take that offer to your agent and see if they will match it which they probably will to keep you as a customer.