How To Save Money Auto Insurance

Auto Insurance Discounts

If you think you�re paying too much for auto insurance, you�re probably right because most people are. Based on my experience as an insurance agent, I find most individuals are not aware of the various discounts that they may qualify for and some are not aware of others ways to save on their auto insurance coverage as well. See the outline below for various discounts available and other ways to save on your auto coverage.

Some of the discounts you may qualify for are:

*Home/auto discount � Insurance companies will give you a 10 to 15 percent discount if you insure your car and home with them.

*Increasing your deductible could save you from 10 to 15 per cent on your coverage.

*Multi-car discount - Some insurance companies will give you a 10 to 15 percent discount if you have two or more cars insured with them.

*Safety and security discount - You can get a discount for safety and security devices installed in your car such as anti-theft devices, air bags, burglar alarms and anti-lock brakes.

*Driver�s education discount � If you�ve taken a driver�s education course or defensive driving course.

*Other Discounts � Having a good driving record, being a senior, housing car in a garage, not having filed claims.

Note: You should always ask your agent about any discounts you may be eligible for before you buy auto insurance coverage.

Here are some other ways you can save on your auto insurance:

1. Keep your driver�s record clean and up to date.

2. Assume more risk by adjusting your coverage. For instance raise your deductibles.

3. Make sure you get all the discounts you qualify for (see above).

4. Drive a low profile car with certain money saving safety features.

5. Make sure you shop around for a good, low cost insurance provider.

When shopping for auto coverage, consider auto insurance discounters. They can offer cheap insurance because they keep their operating costs low. There to find these companies is to go to an insurance comparison website. There you will be able to fill out a simple questionnaire and get rates from various A-rated companies.

When you compare car insurance quotes you may find that they can vary widely. This is because in some cases the benefits of coverage are so different. One quoted premium can be lower than the others and this can happen because the level of coverage is not as comprehensive as others. For instance, the coverage can just be liability, which will not cover your own vehicle if you are involved in an accident.

Finally, make sure that when you request a car insurance quote - whether by a comparison website or directly to an insurer - that you fully disclose all the information requested. You must give details of previous claims and motoring convictions as they will affect the premium you pay. If you do not disclose all the information requested, your cover may be invalid.