The first thing you need to do in learning how to get the cheapest auto insurance is to know what your budget is. Shop around and compare coverage and prices. You will also need to take into account that a new car will cost more than an old car to insure, your age will have an impact on the cost as well as your driving record.

If there is more than one driver in your house you may be able to negotiate a better price. Some insurance companies will give you discounts for such things as a good driving record, multiple drivers and your age. Installing anti-theft systems in your car can also discount your premium. And if you have than more than one car your premium could be discounted as well.

Safety features such as anti-lock brakes, automatic seat belts and airbags can improve your rates. The cheaper rates will often have a higher deductible. This means higher out-of-pocket costs if an accident occurs. It will save you money but it is a risk. Low mileage will also be taken into consideration when figuring out your premiums.

Each state has minimum coverage laws, you need to know what they are for your state. At this point you can decide what you want over and above this amount. If your car is old and has a low resale value taking just the minimum coverage could be enough for you. But if you have a newer car you will want more coverage such as collision and comprehensive.

Insurance companies will take a look at your credit history, claims you have made from past accidents and your gender to determine what you will pay. If you have had no tickets and have a good credit rating you will have no problem getting insurance. There are also companies that will give you discounts if you purchase more than one type of policy from them such as home owners and automotive coverage.

Ask what types of discounts the company has available, some will take good student grades into account, safe driver status, senior citizen and others. Many companies are charging for mailing a bill to you, you might get a discount if you have automatic deductions taken from your account.

Find out what the break-off point is for mileage driven. When you are asked how far do you drive to work each day respond by asking where the rates change. You may be able to qualify for a lower rate by being put into another classification.

If you select an annual policy as opposed to one that is adjusted every six months you can lock into a rate that may save you money. Another area that can save you money is if you are planning on storing your car you can save by just covering that car with comprehensive coverage as it is unlikely you will be getting into a collision or need liability. How to get the cheapest auto insurance is a matter of shopping around and understanding where best to get discounts.

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Category: Finances
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