How to Get Cheap Car Insurance

By Cellina LaForey

  • Overview

    In order to get cheap car insurance you have to show the insurance company that you are not a high risk. Once the insurance company is satisfied with your low-risk underwriting information, they become more willing to provide a cheap car insurance quote.
    How to Get Cheap Car Insurance
    • Step 1

      Review your underwriting information. It's easier to get cheap car insurance when your underwriting information is impeccable. If you have a lot of moving violations on your driving record and are looking to insure your car, the chances of getting cheap car insurance start to decline. The cleaner your driving record, the better the chances of getting cheap car insurance.
    • Step 2

      Modify your insurance deductibles. There is an inverse relationship between the cost of your car insurance and the size of your deductible. The higher your deductible, the less the insurance company has to pay out per claim. The insurance company rewards the policyholder by charging a lower car insurance premium.

    • Step 3

      Take a safety-driving course. A safety driving course shows the insurance company that you are serious about being a good driver. Insurance companies reward such actions by applying safety driving credits to your insurance policy. Your car insurance will be cheaper than someone with similar underwriting information who did not take a safe driving class.
    • Step 4

      Take advantage of the multi-line discount. If you have a homeowner's or renter's insurance policy, place your car insurance with the same insurance company. Your car insurance will be cheaper because you will be entitled to the multi-line discount.
    • Step 5

      Improve your credit before searching for car insurance. Insurance companies have found that policyholders with poor credit tend to file more car insurance claims than policyholders with good credit. Therefore, companies charge higher premiums to individuals with poor credit. If you want to get cheap car insurance, institute a few steps to improve your credit score.
    • Step 6

      Shop around. The best way to find the cheapest car insurance is to get quotes from at least three insurance companies and compare the terms, conditions, deductibles and premiums.
    • Skill: Moderate

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