Finding Affordable Insurance for a Car

There are dozens of insurance carriers to choose from in every state. There are also quite a few modes of transportation available. While you may be tempted to start riding your bike, taking public transportation, or buy a motorcycle, we encourage you to take a step back and reconsider the safety of your car. It is possible to find insurance for a car without breaking the bank. Here's how.

Consider Increasing Your Deductibles

When you start your hunt in order to find insurance for a car you should consider whether or not increasing your deductibles is an option. You should determine your deductible based on two things – the value of your car and your driving record. If you're accident-prone you might want to leave your deductible relatively low. The same goes for an older car with a low value. If you have a newer car and a great driving record, on the other hand, you might want to consider raising your deductible. You'll have to pay more out of pocket if you have an accident but your rates will be lower.

Ignore Your Inner Speed Demon

As silly as it sounds, it needs to be said. Take your foot off the gas pedal and slow down. Fast drivers are more likely to get pulled over, earn themselves some wicked moving violations, and find themselves involved in automobile accidents. The more violations you have, the higher your insurance rates will be – and the insurance company won't care about "why" you got your ticket or how "unfair" the police officer was that day.

Consider Combining Policies

Do you have your automobile insurance policy with one carrier and your homeowners insurance with another? When looking to find insurance for a car, ask about your other options as well. You can sometimes earn great discounts for placing all of your insurance policies with the same carrier.

Never Renew without Question

Look at your renewal policy every year before writing that renewal premium check. If you want to find insurance for a car that's affordable you'll need to scour your policy to make sure you aren't the victim of an unfair premium increase. If so, ask your carrier to reconsider your rates and, if they won't, shop around.

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