Top 10 Tips to Get Cheaper Car Insurance

Need to learn how to get cheap car insurance? Here are the top ten tips you can do to lower your auto insurance and put more money into your wallet (or purse).

#1 Just Married
If you are a male under 25 years of age you can get a much lower rate (as much as 30 to 40% off) by stating you are married on your auto insurance application. Depending on the insurance company you may have to show proof of marriage certificate or show proof that your common-law wife lives with you. Keep in mind, your wife may not have the greatest driving record which could increase your premium -thereby negating any discount.

#2 Multi-Vehicle Discount
The easiest way to get a discount of around 5 to 10% is to get a multi-vehicle discount by insuring more than one of your vehicles with the same insurance company.

#3 Compare Quotes
It isn’t too hard to compare quotes online, what with sites like ours (I know shameless promotion), but you can get a free online auto insurance quote from multiple companies and find the cheapest quote.

#4 Home Insurance Anyone?
Insurance companies love to insure things and they love you not only insure your car but also home with them and for doing so they provide some good discounts as much as 15 to 20%.

#5 Hybrid Cars
Not only do you get preferential parking at stores like Ikea, but having a Hybrid car could also mean you qualify for special discounts at certain insurance companies.

#6 Increased Deductibles
I know no one wants to pay when they get into an accident and it’s not their fault but increasing your deductibles for your collision and comprehensive coverage has two benefits: (1) you lower your insurance premium by as much as 20% and (2) you are going to drive much safer knowing if you get into an accident and even if it’s not your fault your going to be paying a deductible.

#7 Don’t Buy High Theft Cars
Although high theft cars are desirable vehicles (because who wanted to steal an undesirable car?) they come with slightly higher rates meaning you pay more in insurance to drive that high end luxury sports car. But if you can afford that high end luxury sports car than you probably afford the car insurance.

8# Anti-Theft Device Discount
Many insurance companies offer a discount if your car has an anti-theft device. This is especially true for motorcycles, however, you will need to show proof either from the dealer or from an authorized dealer that your vehicle or motorcycle has such a device.

#9 Driver’s Ed
For young drivers, passing a driver’s education course can knock as much as 15 to 20% of their car insurance premiums. However, the driver’s education discount only lasts for about three years after you have received your full licence -as you should be a good enough driver after three years to qualify for normal rates.

#10 Don’t Buy a Car
The easiest way to get free car insurance is to not buy a car in the first place. Okay I know it’s a cheating and ironic for an insurance website to be telling you not to buy a car but if you have read this far than you are likely having a good laugh – and that’s all I can ask for.