In the past we really did not shop around because it was so time consuming. We had are local insurance agent that we called and made an appointment and drove to his place of business and then tried to get the best deal we could. That was very time consuming and very boring and that was most likely the only quote we got. I remember once when I was getting a quote from my agent I thought the price was high. So I had to ask if there was any way to get a better deal and he said well let me look and see what he could do to get me a better deal. It never failed he could always find a discount. Now I know that the agents work off commission and the more you pay the more they make.
Today getting a car insurance estimate is fast and easy. The best part is you get to deal directly with the insurance companies and all the discounts that you were not getting in the past you will get now. Here is a list of a few car insurance tips that will help you save money.
1. Shop Online: When you get a car insurance estimate online that can save you up to 20% and that is because your dealing directly with the insurance company and not an agent.
2. Car Alarm: If you have a car alarm that could be a discount.
3. Defensive Drivers Course: If you take a defensive driving course or a drivers safety course that can a discount. Insurance companies love these courses and you can take them online and its fast and easy.
4. Higher Deductible: If you can afford to raise your deductible from $100 to $500 that can be a savings of 10% and if you can afford a $1,000 deductible limit that can be a savings of 25%.
I hope these car insurance tips help give you the best price possible . We all need to save money because with this very bad economy we never know what the future brings.
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