To find cheaper auto insurance, look at policies that other auto carriers offer, bundle your policy with your homeowners policy, and ask about discounts, suggests Emily Delbridge for About.com. Choose the appropriate coverage for the car and how often you use it, and keep your credit score high and your driving record safe.
Opt for voluntary and less comprehensive coverage if you decide the risk is worth it, explains Delbridge. If you do not drive your car often or if its value has depreciated, it may not make sense to sign up for all of the insurance coverage available. Avoid fees by paying premiums in advance or by signing up for automatic withdrawals. Pay on time to bypass late charges.
An insurance company may offer homeowners discounts and good student discounts, states Delbridge. Policy bundling, such as using one company for all of your policies, also tends to save money. However, looking at rates from other carriers is worthwhile because one company's calculations may deem you an average risk, while another sees you as a preferred risk, giving you the correspondingly low rate. An independent insurance agent or an online quote website that looks at multiple companies at once simplifies and speeds up the process.