How to Find a Cheap Car Insurance Quote

By Cellina LaForey

  • Overview

    The Internet has made it much easier to find cheap car insurance quotes, but it's only a tool. You still have to do your homework when it comes to shopping for car insurance. By taking a little time to understand what insurance companies look for when rating car insurance policies, you can implement few steps to improve your chances of finding a cheap car insurance quote.
    Car Insurance
    • Step 1

      Check your deductibles. If you want to find a cheap car insurance quote, be prepared to take on a little more out-of-pocket expense per claim. The higher you raise your deductible, the cheaper your car insurance becomes. The insurance company rewards its policyholders for absorbing more of the per claim cost.
    • Step 2

      Take a safe driving class. Insurance companies look upon safety driving classes favorably. Before taking a class, however, make sure it's offered by an organization recognized by your insurance company. Ask the insurance agent for a list of acceptable safe driving course providers in your area.

    • Step 3

      Pull your credit report. Look at what the insurance company is going to use as part of the rating process. If you have stellar credit, your chances of finding a cheap car insurance quote increases. Insurance companies charge higher premiums for policyholders with poor credit reports.
    • Step 4

      Contact your homeowner or renter's insurance company. If you currently have insurance for your home or apartment, you'll get a cheaper auto insurance quote by placing it with your existing company. The insurance company is in a position to offer a multiple line insurance discount because you have more than one line of coverage with it.
      Car Insurance Quote
    • Step 5

      Get quotes from more than one insurance company. The best way to determine whether or not you found a cheap car insurance quote is to compare at least three quotes against each other.
    • Skill: Moderate
    • Warning:
    • Don't let the premium be the only factor when choosing an auto insurance quote. Make sure to compare the policy coverages, deductibles and exclusions before making a decision.

    © High Speed Ventures 2011