3 Secret Tips for Finding Cheap Auto Insurance
There are lots of ways to get lower car insurance premiums, and you’re probably already familiar with a lot of common ones. For example, you probably know that some types of cars are more expensive to insure than others, and that’s reasonable: firstly, because a new Corvette costs more to repair and replace than a used Honda, and secondly because most people don’t drive a Honda the same way they drive a Corvette.
You also know that comprehensive insurance is going to cost more on a monthly basis than liability only insurance, which, again, is reasonable. After all, comprehensive pays for damage to your own vehicle, not just third parties.
Lesser known tricks for cheap car insurance
However, there are a few tricks for getting cheaper car insurance premiums that you may not have considered seriously or not even thought of! Here are some secret tips for finding cheap auto insurance.
Cheap car insurance secret #1: Remove citations from your driving record
This is something that doesn’t occur to most people. Sometimes your traffic citations get lost in a mountain of paperwork at the courthouse and even though you paid your ticket and took your driving safety class in exchange for going home with a clean driving record, the courthouse doesn’t keep up their end of the deal. Everyone makes mistakes. So if you have had a traffic citation in the past and you went through the process to make sure you didn’t get any points on your license but every insurance quote you get is astronomically high, it’s a good idea to check your record and make sure that citation was actually removed. Depending on where you live, it might take nothing more than a quick phone call to the city or courthouse.
Cheap car insurance secret #2: Shop around every year
A lot of auto insurance companies offer loyalty discounts to discourage customers from switching to a new company, but what they are really doing is trying to discourage you from even checking your rates with another company. Just because you’re getting a loyalty discount doesn’t mean you’re getting the lowest rate possible. Insurance companies know that it’s inconvenient to switch companies and they have no qualms about gradually raising your rates and saying you’re getting a loyalty discount. They’re confident that the inconvenience of switching will deter you – don’t let it! Set a reminder on your calendar to shop around for quotes once a year.
Cheap car insurance secret #3: Ask about obscure insurance discounts
Insurance companies have discounts that they love to advertise, especially multi-car and multi-policy discounts because then they get more of your business. But there are often a lot of extra car insurance discounts that they don’t really promote and you’ll have to ask the agent about specifically. For example, you might be eligible for a discount based on your occupation or membership in a professional group or even your fraternity from college! Lots of insurance companies will also give you a discount if you park your car in a garage instead of on the street, but you’ll never know unless you ask for it.