The good news about all of the competition though is the fact that with competition comes lower prices when comparing different companies. It is prudent to bear in mind however that price is not the most important part of your car insurance deal!
It is important to do what you set out to achieve though and that is to secure a car insurance payment than what you are currently paying in order to better afford it. Following up with all of the companies and finding out what they have to offer can be a time costing experience to say the least. In order to better your chances of a successful venture though there are several things that you can do.
The setups are different among the different companies, and many times these differences can be quite drastic so it is important to pay attention to the details. It is essential to ask for quotes from all of the different companies so that you can compare the coverage’s and the prices for all of the different packages that are being offered. These days there are many web sites online that will allow you to compare prices of the big name insurance companies in one easy location without having to visit them.
Keep a clean driving history.
A really great way to insure a lower insurance premium is to be considered a low risk driver and to do this it is essential to keep that driving record clean.
Another good way that you get a lower insurance premium is to make sure that your vehicle has the latest and greatest safety features. If your vehicle is fitted with items such as automatic seat belts, car alarms, and air bags, many of the insurance companies will give you an automatic premium reduction.
If you are creative with your math you can also get a little better deal on your premiums. Ask the company for an increased deductible on the policy. You can get as much as a 15 to 20 percent premium reduction by increasing the deductible on the plan. If this is a way that you choose to go, it is important that you have the money put aside for the deductible.
Decrease the amount of coverage that you carry on older cars that do not have much value. For a comprehensive plan on a car, if the value of the car is less than 10 times the amount of the premium, it is to expensive.
You can and should ask the company for more discounts. One such rate discount would include a low mileage discount. If you have had a defensive drivers course, you could also as for a discount for this. Passing an advanced driving test can also be used to ask for a discount.
Certain professions also qualify people for discounts on their premium payments. Ask around if your particular profession can be considered as a low-risk group. Insurance companies have a list of professions that are grouped between low risk and high risk. If your profession happens to land in that low risk group, you can be rewarded with low risk premiums.