Affordable Auto Insurance

In these difficult financial times the last thing we need is another large bill at the end of the month. If you drive a car to get to work or school however, auto insurance is a regular expense that you have to contend with. Fortunately, it is possible to find affordable auto insurance and I'm going to give you some tips on exactly how to do that.

One way to make your payments more affordable is to make sure you're not over insured. If you drive a brand-new car you will want to have full coverage but if your car is several years old you may want to go with a less expensive plan that covers your liability if you were at fault in an accident.

There are also many discounts available that you may be eligible for. It's highly unlikely that your insurance company is going to call you up and say "hey, you're paying too much and here's how you can save some money." But, if you call your insurance agent and start asking questions they will tell you about the various discounts available. It's common to be eligible for reduced rates for things like maintaining a clean driving record, being a student with a good GPA, completing a certified defensive driving course, limiting the number of miles you drive to a certain amount, etc. There are lots of discounts available for all sorts of different reasons and asking a few questions could save you some money.

The easiest way to find affordable auto insurance rates is to simply shop around for the best deal. Most people do some comparison shopping whenever they make a big purchase but very few people take the time to compare prices for auto insurance. There is a lot of competition among the various insurance companies and this competition creates opportunities for us to save money. When companies are fighting for your business one of the tactics they use is to offer a better price than another company. If you take a few minutes to compare the rates of several companies you may find an opportunity to save 20% or more.

So to get the best rates keep these tips in mind. Make sure you're not paying far more than you need to by having full coverage for an older vehicle, don't be afraid to make a phone call and ask about any discounts that you might be eligible for, and don't go with the first company you happened to see in the phone book. Take some time to shop around for the best deal. Even if you've been with the same insurance provider for a long time it would still be a good idea to get some quotes to see if you might be able to get a better rate.

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