Looking for Cheap Car Insurance Discounts

Automobile insurance is a necessity for every car owner although it can be very expensive. If you are looking for a way to save money and still get the protection that you need, there are certain things you can do.

The first thing you need to do is to search for all the cheap car insurance companies in the area you live in. The rates offered vary depending on the company that you use. The companies offer different rates depending on the car you want to insure and the zip code you live in. The rates keep changing, and therefore it is a good idea to look for a better deal each year.

When you are looking for an insurance company, you should ask for as many quotes as possible. If you are looking for discounts, you should insure your cars and home with one company. This is because insurance companies will offer better rates for those who buy their auto insurance and home insurance from the same company.

Before buying a car, you should ask for an automobile insurance quote. This will help make your decision easier when choosing a car model. This is because insurance companies determine the rate paid depending on how much you spent on the car.

Getting a long policy will allow you to enjoy cheap car insurance rates on your automobile insurance. You will also save more money if you pay for the policy upfront instead of making monthly installments. If you have to pay the longer policy in installments, you should have them deducted directly from your bank account so that you avoid paying the fees.

Your automobile insurance rates can also be reduced if you take an advanced driving course. Inquire about this from the insurance company that you are currently using before you enroll for these courses.

How to make sure you get the best car insurance rates

You must have car insurance if you drive a car. Car insurance not only helps pay for damages, but for liability for injury to yourself and others. Since you must carry it, you should know how to make sure that you are getting the best rates possible. Rather than go with the cheapest policy, you should look on how to get discounts on the policies you want.

Do not make your job sound exciting or risky. This sounds very odd, but insurance professionals have a list of high-risk and low-risk careers. This is drawn from data of people involved in auto accidents and what their occupations are. Engineers are less likely to get in a wreck than a promotions specialist and insurance companies will charge more for the high-risk careers.

It is up to you to keep a clean driver’s record. You should check your record once a year, to make sure that it is accurate and up to date. If you find something that should have been removed, then make sure that you contact the proper authorities. This can save you a great deal of money.

If you really want to save money, you should also look at the type of car you drive. People that drive sports cars are far more prone to get in an accident than those that drive a standard sedan or station wagon. You will want to get a list of all the safety features that your car has as well. Make sure that they are all accounted for on the discount list when you are getting insurance quotes online or with an agent. If they are not, ask why they are not. Agents will usually yield to people that are pointing out decreased liability to lower their costs.

Assuming more risk is another way to keep costs low. When you take a higher deductable, the insurance company pays less if you total your car. Insurance companies promote the driver to take more of the responsibility on, by lowering the premium for people with higher deductibles. If you do take this option, you will want to make sure that you have the money, just in case you do need it. Many people will take the saving in premiums and put it into savings so that they can afford the deductable if anything happens.

If you have more than one car, you may also qualify for a multi car discount. Couples often make the mistake of having separate car insurance. They do not realize that if they combined the cars onto one policy, they could save money. The insurance company rewards people for the extra business and considers it unlikely that both cars would be wrecked. Not all providers offer multi-car discounts, some providers require that both cars be under a single name.

These few things can help you reduce your car insurance bill. There are many more, such as group affiliations (AAA), or senior citizen’s discounts. Do your homework and compare different policies and rates. Never be afraid to negotiate. If you find lower rates from one provider, share that information with another. They may lower their rates to keep your business.

Allstate Study: Playing Grand Theft Auto May Make You a Better Driver

Teenagers may finally have one more obscure, yet valid claim to play video games.

Why?  Because according to a recent study by Allstate, video games may improve driving skills.  The study surveyed 100,000 of its policy holders, by sending them a video game which was designed to improve their mental acuity; and it worked.

But if your kids are stuck on their XBox, Playstation, and Nintendo systems saying “Just 5 more minutes before I save 10% on my insurance,” just let them know that the study was for 50 – 75 year olds.

Astronauts and top gun pilots already know that driving simulators can help heighten mental sharpness, improve hand-eye coordination, and reduce reflex times; so Allstate thought they would give it a try as well.  Results further validated findings that such activities can slow down the effects of aging.

Regardless of the effects this information will have on your insurance rates, just know that you can still gain the positive benefits of improved driving skills, and reduced the chances of causing an accident.

If by some miracle, your insurance company is offering you better rates for playing Grand Theft Auto, just be sure not to tell them that you really enjoy driving on the sidewalk, do drive-by shootings with AK-47′s, and run down pedestrians by the dozen.  That might have a negative effect on your rates.

Check out this entertaining video reponse submitted by one of our users.  Be sure to let us know in the comments below how video games have made you a better driver.