Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Here's what you need to know...

  • It’s a good idea to compare car insurance companies before making a final decision
  • Make sure you understand how the deductible affects your monthly payment
  • Installing safety features on your car can lower your premium

One can never predict when an issue is going to pop up. Cars get in accidents, and the weather is always changing. This is why it is important to really take the time to look into different car insurance quotes and plans.

The right plan will protect a person and help pay for repairs or even a replacement if needed.

No one wants to watch their car get flooded by a natural disaster or deal with a huge liability issue or totaled car.

The right insurance policy ensures that people can deal with even the worst of the worst situations. The following are some tips for finding an affordable quote.

Find the right car insurance coverage today. Enter your zip code above to get started for FREE!

Table of Contents

Compare Rates and Plans

The first thing a person needs to do is compare different car insurance rates. There are price comparison websites that make this possible.

Of course, one needs to know the make and model of the car, his or her driving habits and driving record, and a working budget.

Such resources are helpful because a person can look at what different plans do and do not cover and how much the monthly premium or payment will be.

One should never forget to check what the deductible looks like. This is the amount a car owner pays before the insurance comes into play. This amount could be low or high.

The lower the deductible amount, the higher monthly payments will be since it makes it more likely that an insurance company will have to pay out money.

Compare Car Insurance Companies

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Compare quotes from the top car insurance companies and save

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Look into Discount Options

It is important that people look into car insurance discounts and promotions. For example, some companies may offer discounts to people who are apart of professional organizations or those who have accounts with car rental groups, among other businesses.

Similarly, insurance is all about risk.

Thus, if a person has a clean driving record or is willing to sign up for a defensive driving class, money can be knocked off of this premium or rate. Different providers will have different deals and discounts.

Consider the Car’s Safety Features

Car insurance quotes are linked to the risk level of a driver. This is why a person with a clean driving record will receive better quotes than someone who has been in a number of accidents.

This is why people need to consider the safety features in a car when applying for quotes.

A car with anti-slip technology or day-running lights will be easier to ensure. This is because the safety features make it less likely that an accident will occur.

One could buy a car with the best safety features or could even have them installed later. It is important to talk to a car insurance provider to ensure such an update will drop the premium.

Other Policies and Affordable Rates

Another great way to obtain affordable insurance is to sign on to a loved one or friend’s policy. This can lower the premiums for both parties. A car insurance company wants as many customers as possible.

They are often willing to give lower rates to people who refer others.

Similarly, if a person already has life or health insurance, or some other policy, it is wise to ask about discounts linked to multiple accounts. An insurance group does not want to lose business.

They will sometimes lower rates if people existing policies.

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Negotiate Terms

It is more than okay to negotiate and haggle with a car insurance group. You may be able to get a lower rate by demonstrating another company is ready to offer you a better deal.

You can also choose to drop unnecessary coverage.

For example, one may not want glass insurance because replacing a windshield is a cheaper repair than something like auto body work. This could save a person money every month.

Get Everything in Writing

Before signing anything, a person needs to read over a policy and have everything in writing. This ensures that the plan is on the up and up and a policyholder has protection.

Just because a discount has been offered does not mean it is included at the time of signing. This is why careful reading is important.

Not every car insurance provider is honest and wants to help people. This is why it is important to look for providers who are highly respected.

Going online, taking with different companies, and researching groups’ reputations ensure that the right information is found. It’s important for people to be honest about their driving record and budget for this expense.

Finding affordable options means being proactive and starting the search early: This could help people find solid coverage without breaking the bank every month.

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References:

  1. https://www.thebalance.com/how-to-get-your-driving-record-527249
  2. https://www.consumerreports.org/cro/2012/04/guide-to-safety-features/index.htm
  3. https://www.healthcare.gov/get-coverage/
  4. https://www.progressive.com/auto/discounts/compare-car-insurance-rates/
  5. https://www.infinityauto.com/knowledge-center/understand-insurance/does-my-auto-insurance-policy-cover-cracked-windshield