Getting the lowest car insurance is all about planning. It is best to do
this well before you need to find the lowest car insurance. There are two
aspects to finding the lowest auto insurance: strategies and tactics.
The best way to get the lowest car insurance is to be the sort of person
that an insurance company wants to insure. If you are a safe, reliable driver
with years of experience and you live in a secure environment and do not make
claims then an insurance company will normally offer you a low car insurance
premium to insure with them.
Strategically you need to become a low insurance risk to insurers. This way
you will attract the lowest car insurance quotes. You can do this by becoming
and staying a safe driver. Driving whilst tired and distracted can increase
your chance of being involved in an accident. An accident may still not have
been your fault. But if you remain alert you are better at anticipating what
other drivers might do. This could result in you avoiding an accident. It could
even save your life. When you drive try to anticipate what other drivers might
do. It will make you a safer driver. Stay calm when other you see other
aggressive and impatient drivers. We all see drivers that we think will be
involved in an accident if they carry on that way. If these people are going to
have an accident make sure you are not close to them when they do.
If you want the lowest car insurance then check the insurance band or
category that your car belongs to. Choosing a car in a lower band will save you
money every year you own it. The insurance category for a car will be a
combination of factors. It is likely to include the car's power and
performance, purchase price and costs to repair.
Then it is time to move onto the tactics for getting the lowest cost car
insurance. Firstly decide how much time you want to spend searching for the
lowest auto insurance. Speak to friends and family in advance so that you have
an idea as to what you might be paying. Remember that different car insurance
companies may be targeting different types of customer. They may be very
competitive for one group of drivers and not for other groups. So, it is best
to talk to people similar people to yourself and who drive similar cars. This
should help you set a benchmark price. A price that you feel is reasonable but
which you want to beat if possible.
If you are busy and don't have lots of time to search for the lowest car
insurance then get an insurance broker to look for you. Maybe you'll need to
check a couple of brokers who will be paid a commission by the insurance
company.
You can also quickly check for the lowest car insurance at one of the
comparison websites. Decide what insurance you are looking for and you can then
compare the costs. If you want to reduce the cost of your insurance then
consider what excess amount you can accept. A higher excess for any claim will
normally lower your premium. Not all insurance companies are included on
comparison sites so you may want to get a quote directly.
Sometimes you may be buying more insurance than you need. Has your
insurance quote included extra elements? These may include charges for a
protected no claims bonus policy. Does it include an element of windshield
cover? Does it include breakdown cover, claims administration service or some
element of accident and health cover? If you have a claim do they provide a car
while yours is being repaired? You can reduce your cost and get lower auto
insurance if you exclude these different elements.
Before you finally decide on your car insurance check the payment terms.
Sometimes insurers offer installment plans. If you will be spreading your
payments over a number of months you will need to understand if you will be
paying extra for this. There is no point finding the lowest auto insurance if
you then pay a lot more in the way of finance charges.
Simon Harris
Article Source: https://EzineArticles.com/expert/Simon_JJ_Harris/436428
Tags:
Car Insurance
