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Are you in the market for auto cheap insurance? Or do you have an existing policy that’s burning holes into your pocket? It is possible to bring down the costs of your car insurance. Here are some creative ways to get yourself entitled to auto cheap insurance that offers a great deal without costing a lot.
Get an annual policy – In an effort to save money or in their hesitation to make long-term cash outs, some people choose short-term policies such as six-month policies rather than yearly policies. In the bigger picture, however, you will be able to save more if you get a yearly policy. This means you get a single rate that won’t change for the entire year, instead of getting different rates every time you get a new policy every six months.
Review your mileage – Take a step back to review your car usage. Are all your miles necessary? If you can, try to bring down your mileage. Lower mileages can help you get discounts on your car insurance. You can expect your insurance agent to ask you how many miles it takes you to get from home to work, and your answer will easily affect your rates.
Install theft and safety devices – At first glance, this may not have anything to do with getting auto cheap insurance. But most insurance companies provide discounts for vehicles with anti-theft devices and special safety features. This is a highly beneficial way of getting auto cheap insurance.
Get a group discount – If you are a member of any organization, ask whether your insurance agent offers discounts for your organization. If your organization does not have an affiliation with an insurance company, ask your fellow organization members if you can partner with an auto insurance provider.
Enroll in a defensive driving course – A lot of car insurance companies also give discounts if you have completed defensive driving courses. Check your state insurance or surf the Internet for information on where you can take such courses.
Get an auto and home insurance in one – Talk to your insurance provider if you can get better rates if you insure your home and vehicle with them. Discounts for this can range from 5% to 20%. This also gives you the additional benefit of convenience since you don’t have to transact with two different companies anymore.
Boost your credit rating – A good credit rating can also keep you safe from sky high auto insurance rates. If you have a good credit rating, the higher your chances to get auto cheap insurance are. Thus, before obtaining auto cheap insurance, work on improving your credit rating first.
Pay through EFT – Some car insurance companies frown upon having to follow payments up. So they give extra incentives for people to pay on time or through automatic deduction from a bank account or automatic charging on a credit card. By choosing to pay in this manner, you can already bring down the rates of your auto cheap insurance.