Cheapest Auto Insurance: Four Time-Tested Steps

1. A multi-vehicle discount is a proven and simple way to get lower auto insurance rates. You can only do otherwise if the total of your rates across different insurance carriers is lower than what you'll get with a multi-vehicle discount if you buy from one insurer. Doing some shopping and then checking with what you'll save with a multi-vehicle discount is a good way to be sure if this is in your best interest. But anyway, a multi-vehicle discount is a great way to get lower rates.

2. A multi-policy discount is a good way to lower your total insurance spend. That is, for example, if you buy an auto policy from the same provider which covers your home insurance.

Nevertheless, I must stress that you might NOT be saving as much as you could by changing to another insurer. It is recommended that you comparison shop. When you're done, you won't be taking a blind leap as you choose which to do because you know for sure which saves you more.

3. Drivers who don't make claims for more than 3 years normally attract a discount for it. Several insurance companies don't present this without some coercion.

Your agent should be made to understand your displeasure with their refusal to give you this discount and do NOT fail to point out that you might change over to another insurer. As a matter of fact, you should because you'll almost always find a better deal with another company if you've kept a claims-free status for this number of years.

But oftentimes the threat of switching from you is enough to make them shift grounds.

4. Take out some time to visit not less than five insurance quotes sites that offer quotes on auto insurance policies. It will require around 25 minutes.

While you visit each quotes site, make sure you give the same information. Doing otherwise will give you misleading quotes. When you've obtained your auto insurance quotes, compare them to see which serves your interest best in price/value.

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