Cheaper Car Insurance is available to those who “shop around”. Prices vary from company to company, so you’ll want to get at least three car insurance quotes. One of the best ways to get cheaper car insurance is to have a good driving record.

By requesting higher deductibles, you can lower your costs substantially. Deductibles are what you pay before your insurance policy kicks in. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online in any of a number of car price guides, such as KBB (Kelley’s Blue Book).

Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers.

A solid credit history can get you cheaper car insurance. Insurers are increasingly using credit information to price auto insurance policies. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need, and keep your credit balances as low as possible.

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