How Do You Get a Cheaper Car Insurance Rate?


Quick Answer

Get cheaper car insurance rates by shopping different insurance carriers, bundling policies, keeping good driving records, maintaining good credit and purchasing the correct amounts of coverage, suggests About.com. Additionally, investigate discounts offered by car insurance companies, such as those offered for students, homeowners and customers who pay for their policies in full at the time of purchase.

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How Do You Get a Cheaper Car Insurance Rate?
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Full Answer

Because rates vary between insurance companies, use online quoting systems and contact independent insurance agents to compare offers, advises About.com. Also, inquire as to whether insurance companies are willing to bundle auto insurance policies with other coverage, such as that for homes or other vehicles. Insurance companies offer the safest drivers the best insurance rates, so drivers who want to obtain cheaper car insurance should keep their driving records clean.

People with better credit ratings get better car insurance rates, so pay bills on time and pay off old debt, advises About.com. Because overall car insurance premiums are based on the types and amounts of coverage, save money by only purchasing necessary insurance. An older vehicle of low value may not need full coverage. Avoid paying extra for car insurance by making payments on time and selecting policies without additional fees, such as those for processing and paperwork.

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