How easy is it to get dirt cheap car insurance? The answer is “It depends on what you know.” There are many things that you can do to start getting very low rates. Attempting to share up to 40 tips in one article might make it a little intimidating for you, the reader. Therefore, I’ll only discuss 4 steps in this article. Apply them and you’ll save massively without downgrading the quality of coverage you enjoy…

1. Retain an excellent credit rating. Those who have poor credit pay more expensive rates for all forms of insurance and that is also true for auto insurance. For most insurance carriers it shows a pattern they believe you’re quite likely to repeat with them in premium defaults. Once you’re noted as bad risk you’ll invite higher auto insurance rates.

2. Staying loyal to one insurance company for any considerable length of time will surely get you savings. You will attract discounts of up to five percent on your auto insurance if you maintain a policy with the same insurance company for up to three years. Staying longer will attract bigger discounts.

gain more if you switch..

Say, for example, that your auto insurance premium with your present insurer is $2,500 you will get a discount of about 5% or $125 if you continue for at least 3 years.

But if you do routine shopping for auto insurance you will very likely get an insurer within those years of waiting who’ll give you comparable coverage at a lower rate. Then it would be anything but wisdom to stay put because you want to become eligible for a discount down the road even if the expected discount is less than savings you’ll get now if you change to another insurer.

3. If you want a discount, get your auto insurance policy from the same insurer you bought your other policies from. Insurers give you a multi-policy discount to persuade you to buy other policies from them.

On the other hand, the total money you may save may still pale into significance if weighed with savings you will make by getting your policies from different insurers.

4. I recommend that you use a minimum of three quotes sites since that will ensure you do not miss out offers not carried by the other sites. This provides you a broader basis for doing better comparisons thereby increasing your chances of better quotes

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