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How to Get the Cheapest Car Insurance Quote

Looking to get the cheapest car insurance quote you can? Here s a step-by-step guide that will show you how.

Go Shopping

Rates for the same insurance coverage can vary from one insurance company to another by as much as $1,000, so the first thing you need to do to get the cheapest car insurance quote is go to an online insurance comparison site. There you can get quotes from various companies so you can compare them and get the cheapest rate. One of the best comparison sites is listed below.

Get Discounts

In order to get rate quotes from one of these sites you ll be asked to fill out a questionnaire where you can list the types of coverages and discounts you want.

Here s a list of the biggest money-savers:

1.You can save 10% to 15% on your insurance premium by increasing your deductible from $100 to $500. You ll save 25% to 30% by increasing it to $1,000.

2. If you have two cars you can save 10% to 15% by insuring them with the same company.

3. If you have an older car that s not worth a lot you can save 15% to 30% by eliminating collision and comprehensive coverage.

Other money-savers include:

- Eliminating medical coverage if you already have medical insurance.

- Requesting discounts for security and safety devices such as anti-theft devices, car alarms, and air bags.

- Eliminating towing and car rental coverages if you already have them or don t want them.

Check Companies

The cheapest car insurance may not be cheap at all if your insurance company refuses to pay a claim. So before you buy your insurance, I recommend going to epinions.com to see what actual customers have to say about the various companies and what their claims experience has been.

Visit http://www.LowerRateQuotes.com or click on the following link for free car insurance quotes from A-rated companies to get the cheapest car insurance quote. You can get more insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get the cheapest car insurance quote.

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How To Get The Cheapest Car Insurance Quote

The best way to get the cheapest car insurance quote is to contact a specialist insurance broker who will find the cheapest car insurance that is suitable for your needs. The cost of car insurance will be determined by several factors such as, the value of your car, how you use your car, what type of security measures your car has, who owns and drives the car and what type of cover you require.

One way to get the cheapest car insurance quote is to buy a smaller car, as smaller cars are less expensive (and so are valued at less) and have smaller engine sizes. Therefore normally, the insurance is cheaper. Fitting a car alarm, tracker or an immobilizer is one way to bring the cost of your car insurance down due to the more enhanced security you have, the less likely your car will be stolen.

The type of insurance cover you need or want will also play a part in how much your car insurance will be. A specialist broker will be able to advise you on which type of cover is right for you, whether that be Third Party, Third Party Fire and Theft or Fully Comprehensive. Parking your car overnight on a driveway or in a garage will lower your car insurance as it is safer and is less likely to be stolen.

Every year contact a specialist broker to search for the best deal for you, do not just renew your car insurance automatically as just because it was the cheapest deal last year, it doesn t mean it will be the cheapest deal this year.

A specialist broker will be able to search for the cheapest car insurance quote much easier than you can saving you not only a lot of wasted time and money but also giving you the peace of mind that the car insurance you receive is the right deal for you.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value car insurance, ensuring that their clients have the protection they need, without leaving a hole in their pocket.