If you want to find the lowest possible rates from an insurance company that will be available on the time that you need it, then the best way to do it is by making sure you know what type of coverage you need, by checking on the reputation of the insurance company, and by taking advantage of any discounts that you are eligible for. Then there is also the pay-as-you-drive-policy which you can check out. This policy pegs the premium according to the mileage you put on your car each year. And, for those in the lower income group, there are low-cost auto insurance programs that are being offered to eligible car owners.
Below are some tips in getting affordable Auto Insurance.
When you pay for comprehensive and collision coverage, car insurance companies take into account the year, make and model of your car. In other words, if your car is new and expensive, you pay a higher premium. So, if you do not want to pay a lot for insurance and you are still in the process of buying a car, then choose one that is not expensive.
Another way of lowering you car insurance premium is by taking the highest possible deductible. Opting for an annual deductible of $1000 instead of $250 will give you a lower upfront payment. However, if you are responsible for an accident, you will have to pay more of the bill before insurance payments come in.
Make sure that you have a good credit standing. Some car and Home Insurance companies take your credit history into account and you premium is calculated based on this insurance credit score. If you have a bad credit standing which is a result of overdue bills or bankruptcy, then you will be paying more for auto coverage. Improving your credit score is the best way to avoid this. Be sure to pay your bills on time. Always check on your credit report and if you have a low credit score, do whatever it takes to remove it.
Research insurance companies so that you can come up with three or four reputable ones that you can approach for quotes. The insurance commission's website is the best place you can check for companies that offer the lowest prices for coverage that is closest to what you need. Then check on the reputation of each one. In the Consumer Information Source website, you can find if the company you are considering have complaints filed against them by clients.
Find an agent who can give you a quote and contact you. Utilize the details at http://dictionary.reference.com/browse/insurance as reference for this. Ask your family and friends for recommendations on whom they use. You can also go to the state insurance commissioner's website to look up agents in your area.