Cheap Auto Insurance: Five Tips for Getting the Best

The cheapest car insurance policy you can buy is compulsory auto insurance, which is an insurance policy that meets the bare minimum standards for coverage in your state. But not all basic policies are created equal. Every year, though, millions of people pay more for their cheap auto insurance policies than they have to pay. These five tips can help you make sure that your cheap car insurance policy is really the cheapest auto insurance you can get.

Compare Auto Insurance Quotes Online

Always shop around before you buy auto insurance. Because every insurance provider has its own way of assigning risk and determining auto insurance premiums, you'll often find hundreds of dollars difference between one insurance company and another. The number one tip for getting the cheapest possible rates on your car insurance is to shop around.

Pay for Your Entire Premium in a Lump Sum

Most insurance companies will discount your auto insurance premium if you pay for the entire policy at the time of purchase. If you can pony up the cost of the entire insurance policy when you buy it, you can save about 10 percent on the overall premium. If paying for your car insurance premium at once isn't feasible for you, you may qualify for cheap car insurance by agreeing to automatic payments debited from your checking account.

Adjust Your Policy at Least Once a Year

Always go over your entire policy when it's time to renew your auto insurance. Many insurance companies take your business for granted and figure, often rightly, that the hassle of finding a new insurance provider will outweigh the savings you can get by shopping around again to see if you another company offers cheap car insurance that's a better deal.

Also talk to your agent if your life circumstances change during the year. Many major life changes can actually make your car insurance premium cheaper. If you get married, move house, have a child or buy a house, your car insurance premium can come down considerably.

Take a Defensive Driving Course

Most insurance companies will give you a hefty discount if you complete a defensive driving course. Statistics show that drivers who drive defensively have fewer accidents, and those who complete a defensive driving course cost the insurance company less money. While you might not recover the full cost of a defensive driving course in one year's premium, you only have to take the course once to benefit from years of cheap car insurance premiums.

Likewise, most insurance companies will give you a discount for any safety equipment and anti-theft equipment on your car. If you have an anti-theft device installed, inform your agent, and be sure that your agent knows about all the safety features of your automobile to get the cheapest auto insurance rates.

Ask for the Discount.

After you've gone over your auto insurance policy with a fine-toothed comb and found all the discounts you can, bring your agent in on the fun of bargain hunting. Ask him straight out if there are any other discounts for which you might qualify. You might be surprised at the things your agent can suggest to make your cheap car insurance even cheaper.

To learn more about subjects like cheap auto insurance please visit the web site at: http://www.onlineautoinsurance.com/cheap/

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About the Author

+Chris Robertson is a published author of Majon International. All Rights Reserved. Copyright 2011 (Tue Jun 28 2011) Majon International. Majon International is one of the worlds MOST popular internet marketing and internet advertising companies on the web. Visit their main business resource internet marketing web site at: http://www.majon.com