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Ok, so now that you’ve done some comparative shopping around with insurance companies, it’s time to consider some ways to save and get the best car insurance quotes you can.
The first thing you may want to do is ask for is a higher deductible. Auto insurers often provide an option in the deductible, ranging from no deductible to $1000 or more. Typically the biggest incremental change is from no-deductible to the lowest deductible available, so if you are wary about the possibility of having to pay high deductible prices, you may still want to at least consider a low deductible to save a substantial amount on premiums (no-deductible is typically considered the best car insurance option of less responsible clients and clients with lots of extra cash, and insurance companies weight this accordingly.
What sort of car do you drive? Insurance companies weigh their premiums based upon the safety of the automobile insured. An excellent place to go to determine the safety ratings of your vehicle is the Insurance Institute for Highway Safety (IIHS), which publishes its top safety picks annually. Visit http://www.iihs.org/ratings/default.aspx for more information.
There are a number of discounts you can opt for as well. You may wish to consider a low mileage discount. Depending on your insurer, you may get a discount on your premium if you drive fewer than a certain number of miles each year. This is especially handy if you live very close to your work or carpool. You may also be able to get group discounts if you opt to insure with your employer or other organization.
Most importantly, the practice of good personal responsibility is key. No amount of shrewd car insurance shopping can ever substitute for the benefits conferred from having a good credit rating and responsible driving history. Responsible driving is, in the end, the best car insurance.
