Saving Money on Car Insurance

QualityAutoInsurance.com is all about helping you save money on your car insurance. In fact, our customers often save up to $600 or more just by taking a few minutes to shop with us. There are other things you can do to lessen the blow of the car insurance cost hammer. Check these money-saving tips and see if they could help you save some green:

Compare before you buy.
Use a totally independent company like QualityAutoInsurance.com to get instant, online quotes from top-tier carriers. We aren’t paid on commission and have no allegiance to one carrier over another. Our only interest is in getting you the best rate from a carrier you can trust. Before shopping, however, you may want to look at your state’s department of insurance for some guidelines on the coverage you need. In some cases, they may provide sample auto insurance rates that you can look at.

Make sure you have a solid credit rating.
Your credit rating has a lot to do with the rate you are quoted by an car insurance carrier. While this practice varies both by state and by individual companies, statistics have proven that good drivers with good credit records are one of the safest groups to insure. So make sure you pay your bills on time and keep that credit rating as strong as it can be. It will save you money. If you currently don’t have credit, consider establishing some. In the long run, good credit pays off.

Save if you have an older vehicle.
Take a moment and find out how much your vehicle is worth at Kelley Blue Book. If the value of the vehicle is around $2,000 or less you may want to look at your comprehensive and collision coverage. Chances are that you could be paying more in coverage than you will collect on a claim, even if the car is “totaled”. If that’s the case, you may want to drop the comprehensive and collision coverage and save some money.

Consider higher deductible amounts.
A deductible is the amount of money you must pay from your own resources following an accident before the coverage applies. Higher deductibles always reduce your cost of your monthly premium. As an example, increasing your collision coverage deductible from $250 to $500 could reduce your annual premium by as much as 20 to 30 percent. For many people, the higher deductible is often worth the savings on their car insurance premiums.

Safety features often mean cheaper car insurance.
Most car insurance companies offer discounts for safety features, but you need to make sure you tell your carrier about them. Anti-lock brakes, air bags and electronic stability control all help prevent accidents and injuries and often help you save money on your costs.

Low-mileage drivers save on auto insurance.
Many insurance companies give discounts to drivers who don’t put a lot of miles on their vehicles in the course of a year. Depending on the carrier, the discounts could add up. Make sure you ask if your carrier offers a low mileage discount if you are a low-mileage driver.

Insure your vehicle and your house with the same carrier.
With many carriers who offer homeowner’s and car insurance, you get a discount when you insure both with the same carrier. This is referred to as a “multiline” discount. Don’t just assume that you are getting the best rate just because of the discount. Often you can save more money by looking at the rates quoted by competing carriers. Use QualityAutoInsurance.com to find the cheapest rate from the carriers, then approach your homeowner’s insurance company and see if they can give you a better rate.

Other discounts may apply.
Many carriers offer a wide variety of discounts depending on the carrier and your personal situation. Some of these include:
 - Insuring two or more vehicles on the same policy
 - Being with the carrier for a longer period of time 
 - Having no accidents in recent years
 - Having anti-theft and auto tracking devices installed on the vehicle
 - Being a driver who is over the age of 50
 - Having completed a driver training course
 - Being a good student if you are a teen driver

Depending on your personal situation, these discounts may give you a really good break on your car insurance costs.

Group discounts may work for you.
Many organizations such as large employers, unions, and professional groups negotiate lower rates with carriers for their employees and/or members. If you are employed by a larger company, or if you are a member of an organization or union, check to see if they have a group auto insurance program. You might save a lot of money on your coverage if they offer a group program.

Consider the cost of insurance when you buy a vehicle.
If you like to drive expensive or high profile vehicles, the cost to insure your vehicle against theft and accidents will cost you more. Lower profile vehicles are less likely to be stolen and are often cheaper to repair. QualityAutoInsurance.com recommends that you look at a number of different models when buying a new vehicle. That way, you can take all of your costs into account, including the cost of insuring the different models. You may find choosing a different vehicle could save you a lot of money on your auto insurance.

Think about car insurance whenever you move.
Where you live has an impact on the cost of your car insurance. Premiums tend to be lowest in rural communities and highest in big cities. The key is how many people are living in your area. If you have a high population density in your area, you will probably pay more than people living in lower density areas. If you have an option, move to an area with less people. You’ll probably save money if you do. .

The best way to save on car insurance is to evaluate the best rates from quality carriers side-by-side. When they compete for your business, you are the one who wins. Fill out just one quick and easy form on QualityAutoInsurance.com to get the cheapest auto insurance.