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Auto Insurance - Low Cost Ways to Reduce Your Car Insurance in Half

Finding low cost car insurance is not hard to do when you use the computer because there are so many websites that now will give you real time quotes and this helps you determine what will be the best cost insurance. Having auto insurance is crucial even if you are a good driver because you never know when you might be in an accident and you will need it. If you get into an accident and they find you are at fault and you do not have insurance then you can be sued by the other driver and this can cost you everything you have.

There are also great ways for you to reduce or cut your current auto insurance policy in half. One of the best ways to do this is to shop around for low insurance quotes. You may have used the same company for a long time and it may be a friend of the family, etc. Go and use the internet to make sure that you are getting a rate that you can afford because there is a lot of competition when it comes to insurance and there are usually better prices available.

Also you can reduce the cost of your insurance by being a good driver and getting the good driver discount. It is important that you speak with your insurance company to make sure that you are getting this discount on your current policy. It can make a big difference to get a break on your auto insurance.

Remember that saving money on auto insurance is not difficult but you need to make sure that you are getting the best rate possible.

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Bryan Burbank is an expert in the field of Discount Insurance

Bryan Burbank - EzineArticles Expert Author
Low Cost Car Insurance For the Average Consumer

Car insurance is a business. They want to make money. An insurance company makes it's money by selling policies and hoping you don't have to cash in. The odds are in the insurance companies favor, most people will never have an expensive claim. So how can we even the odds? There are ways. Low car insurance is obtainable if you shop smart and follow a few important tips.

Low car insurance rates are available at big name companies, but some of the lowest rates are found at lesser known companies. These smaller companies have to keep their rates low to stay competitive with the big dogs. The smaller companies may not offer frills like rental car reimbursement or roadside assistance, but they won't charge you for them either. Big companies make it sound like they are throwing these helpful goodies in for free, but you are actually paying for them. If you want to go with a well known insurance company, ask for them to remove the extras from the policy and adjust the price accordingly.

Check you credit score. Believe it or not, your credit does affect your car insurance rates. If you have bad credit, you are considered high risk. Your rates will reflect this. Low cost car insurance is more available for people with good credit, but if your credit is hurting, all is not lost. Work on raising your credit score and watch those rates fall.

Several times throughout the year, insurance companies will compete against each other by lowering their prices in hopes of getting customers to transfer their accounts. Unfortunately for us, they do this relatively quietly, but we can benefit at certain times of the year by taking advantage of low car insurance rates. Shop for low car insurance during the peak sales events for cars. Mid summer and late December, car dealers are trying to get rid of older stock. Insurance companies want a piece of the money pie also and give great rates during these times. Ask for car insurance quotes from several different companies during this time and you will be pleasantly surprised at the savings.

There are a few other ways to save big. Paying your bill annually will save money. You won't have to pay extra service charges for quarterly billing. Many companies fees are around four to five dollars each time a bill is sent. Typically insurance companies raise their rates every six months or so. this rate is minor to the consumer, but multiply it by 100,000 customers and the added revenue is substantial. You will save yourself a few dollars by skipping the bi-annual hike when you pay annually. Ask you insurance company what other discounts they offer. For example, taking a safe driving course, defensive driving course, and driving refresher course will qualify you for other possible discounts, sometimes up to 20%. Finally, occasionally ask for car insurance quotes from other companies to ensure you are still getting the best deal possible.