Auto insurance is required by law in most states and a lot of people feel intimidated when it comes to purchasing it; many are scared because of the cost associated with getting it. However, purchasing auto insurance doesn’t have to be a scary event. There are ways to get cheaper insurance and many ways to lower your rates.
The single most important factor to getting competitive rates is to shop multiple carriers. Not all companies are the same and you will find that some insurance companies are cheaper than others. All you have to do is to do a little shopping. Ask friends where they get their insurance to see if you can take advantage of the shopping that someone else has already done. The great thing about an independent agent, is we can shop all those carriers for you, saving time and hassle.
There are other ways to save on your auto insurance. The following are ways that many companies will give a discount or lower rate on your auto insurance:
- Having an alarm on your car
- Ask for a higher deductible
- Take defensive driving
- Good student discount
- Good driver discount
- Low mileage discount
Purchasing auto insurance doesn’t have to be scary. By checking with your independent insurance agent who will guide you through the process, you will be able to determine that you are getting every possible discount on your auto insurance.