ifydcat Particularly when the economy is struggling, saving money is a priority for many families. One area to target for potential savings is your car insurance; there is actually quite a bit that you can do to make driving an automobile more affordable. This article will point out a few tips and tricks to help you reduce the cost of your car insurance.
If you are in the market to buy a new or used car, make your decision very carefully. Certain makes and models are less expensive to insure than others; for example, typically a four-door vehicle will be more affordable than a door-two car, although that is not always the case. In 2011, the Chrysler Town & Country LX (a four-door minivan) was the best purchase in terms of insurance costs. One thing you can do to help yourself is to make a short list of the vehicles that you like after doing a bit of research. Call your insurance agent and go over the cars with him, getting the prices for each one. If they are all high, ask the agent to make a few suggestions for you. From there, go forward with your purchase.
Shop around! Not all insurance companies were created equal; in fact, there is often a surprising difference in how much one company charges compared to another. You could save hundreds of dollars simply by taking the time to make a few comparisons. One of the best tools that you can use in this process is the Internet. Many companies will allow you to get some basic information about rates just by supplying a bit of information about yourself. It will cost you some time, though; you may spend as much as fifteen minutes at each company’s site submitting your information. If you are not comfortable using online resources, consider using a rate-comparison service. You can also call each company that you are interested in to receive a quote as well.
Investigate which discounts are available to you. As you research different automobile insurance companies, make sure to find out which discounts they offer. You may find that you can get money off of your bill for being a good driver or paying your bill a year in advance. You can save if you put all of your drivers on the same insurance policy or use the company for both your home insurance and your automobile insurance. There are also many more discounts available, too, and some are more well-known than others. Once you have narrowed down your choices to a few companies, question them about the discounts they offer and use that information to figure out the total cost of each policy.
It can be hard to know where to begin when you are initially investigating the possibility of a rate decrease. The process itself actually isn’t that hard. Use this article as your guide and pick up the phone to talk to your insurance agent. Before you know it, you’ll have a little extra money in your pocket each month!
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