We bring you sure Ways to Lower Your Car Insurance Premium and save more money.

It costs many people an arm and a leg to get themselves and their loved ones insured while on the road. We are often times limited to high (and ever rising) insurance costs by things we cannot change.

But we should not limit ourselves and simply accept high auto insurance premiums as a fact of life! Rather, we should do everything we can to ensure we are getting the best deal and lowest premiums available. Some things are so obvious, that you’ll be surprised you hadn’t thought of them before.The common trend among the following 5 tips is that they all lower the risk involved for the auto insurance company. By doing so, we are able to get our auto insurance bill lowered. Our top 5 tips that we will discuss further below are:

Raise your deductibles
Limit your insurance coverage
Get billed monthly (rather than bi-annually or annually)
Shop around and compare rates
Ask about low-mileage discounts

lower your auto insurance premiums

Scroll down to discover five methods to lower your auto insurance costs.
1) Raise Your Deductibles

Choose large deductibles. The higher your deductible, the less the insurance company will need to pay out. Of course, when setting your deductible, it is important that you don’t choose a deductible you can’t afford. The best place t set your deductible is where you will always be able to afford it. Remember, you may not be as financially secure a year from now, as you are now. This is why its always a good idea to give yourself a little cushion, so that you know you’ll always be able to afford it.
2) Limit Your Coverage

Opt out of comprehensive coverage for older cars. For the sake of an easy explanation, lets say the car you are insuring is worth only $2000. There is no reason to get comprehensive coverage with a deductible of $1000, as its not worth replacing the car for half the worth of the car. By cutting back on your coverage amounts, you can greatly decrease your insurance premiums.

Read our article How Much Auto Insurance Coverage Do You Really Need? for more information.
3) Get Billed Monthly

Pay semiannually rather than monthly. You can save a nice chunk of cash by paying for coverage 6 months in advance rather than monthly. It’s no different than buying any other item in bulk. By paying more upfront, your auto insurance company is willing to offer you a discount.

4) Shop Around For A Good Price

Shop around for the best deal. A smart consumer always gets the best price. This applies to shopping for auto insurance as well. By shopping around, looking for the best deal, you will almost always get it. Our quote tool allows you to search our database of insurance companies and their rates. This allows you to choose the best deal of the bunch, often times saving you thousands a year.

5) Get Low Mileage Discounts

Ask for low mileage discounts. If an auto insurance company knows you won’t be on the road much, the chances of them having to pay out for damages and medical bills is greatly reduced. If you don’t think you will qualify for such discounts try carpooling, taking the train or bus, or even riding your bike into work.
What’s the next step to lowering your auto insurance premiums?

The 4AutoInsuranceQuote.com insurance quote comparison tool, located at the top of this page, will connect you to the leading insurance providers. After filling out our brief three page form, you will be given quotes from a number of car insurance companies, who will all be fighting for your business. When companies fight for your business, the prices are the lowest. To begin, scroll up to the top of this page and enter your zip code.

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