Dirt Cheap Car Insurance: Smart Ways

You can enjoy high value vehicle insurance coverage without paying top price. All you have to do to achieve this end are pieces of information (that you'd have to put to use, though). Let's look at a few time-tested ways to get more for a lot less...

1. If you have collision and/or comprehensive for an old vehicle which isn't a classic, then you're paying much more than is necessary. A vehicle's Kelly Blue Book value at point of making claims (and not the cost of the vehicle when you bought it) is what affects what you will be reimbursed by your insurer. This means that not minding how much you paid and for how long you did, you may get NOT even a cent if this book shows your vehicle is not worth anything by the time you file a claim.

Do the wise thing and leave out both of them from your auto insurance policy. If you do this you'll save a lot.

2. You will land a cheaper rate if you choose higher deductibles. It makes sense to have a deductible that's as high as possible but as well within easy reach.

Just remember that this is the amount you'd have to contribute if you make a claim. So make it as high as you can but ensure it's within easy reach.

3. Take every opportunity to NOT drive your vehicle since this will bring down your mileage and, by extension, your rate. This is especially true for those of us who reside in cities with advanced mass transit systems.

You can also bring down your mileage by carpooling.

4. You will save much money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You'll make savings if you use just one quotes site. But, you will get better results by using at least five.

The plain reason for this is that you'll get many more auto insurance quotes from many more insurance companies. This increases your chances of receiving better rates.

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