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How to Get Low Auto Insurance Rates

Comparing auto insurance quotes can help drivers get low rate auto insurance, but discounts can lower premiums even more. Consumers who are shopping for car insurance should look for discounts offered by many of the leading car insurance companies that can reduce the cost of premiums. Auto insurance rates and discounts vary widely between companies so looking at several options before choosing an auto insurance policy can result in the greatest savings.

Bundling Insurance Policies

Many insurers offer customer loyalty discounts to consumers who buy several different types of policies. Most often these are on discounts for each policy so even if the auto quote is slightly higher, the savings on other policies like homeowners and life insurance may offset the additional cost of the auto policy. Consumers should consider bundling all their insurance needs with one insurer to take advantage of customer loyalty discounts. Doing this will help you get low rate auto insurance.

Defensive Driver Discounts

Virtually every driver can save up to 10% on yearly premiums by taking a defensive driving course. The courses are inexpensive, take about eight hours and are available online for convenience. Although most insurers offer the discount voluntarily, some states require insurance companies to give drivers who successfully complete the course a 10% discount for up to 3 years. Drivers can continue receiving a discount by retaking the course when their current discount is about to expire.

Group Auto Insurance Rates

Some associations, unions and other groups negotiate special rates for their members with auto insurance companies. Members of Triple A can save up to 10% per year on car insurance through their membership. Companies that specialize in insurance for military personnel or state employees may also offer discounted rates for these groups. Drivers should check with their club or association to find out if they have group auto insurance rates.

Good Driver Discounts

Drivers who have a clean record with no accidents or traffic citations for three to five years are usually eligible for good driver discounts. Some insurers are now offering a device which records the driving habits of an individual and may entitle them to a good driver discount. In most cases, only drivers over twenty five qualify for this discount since younger drivers have not yet established a consistent driving record. It is more difficult to find cheap car insurance for young drivers. Sorry.

The Cheapest Cars to Insure

The best auto insurance rates are for cars which are considered family vehicles. In the last two years the least expensive models to insure have been minivans, crossovers and SUVs. Luxury and sports vehicles are more expensive to insure because they cost more to repair. Compacts and subcompacts have higher rates because are involved in more accidents than other vehicles. Safety features like anti-lock brakes, rear view cameras and side curtain airbags can save even more.

It is important to compare rate quotes to find the low rate auto insurance you need, but sometimes discounts can make a big difference in the cost. Finding insurance companies with good discounts can save hundreds of dollars on insurance premiums. Consumers who compare quotes and discounts often get the best possible rates on car insurance.

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