How To
By
eHow Cars Editor
Difficulty: Moderately Easy
Step1
Determine what is within your budget before buying auto insurance.
Step2
Check for rates prior to purchasing a vehicle. If you cannot afford the insurance, then you cannot afford the vehicle.
Step3
Keep good credit. A growing number of insurance companies base rates of their customers in their credit history.
Step4
Drive safely. Your driving history is the number one factor insurance companies use when calculating an insurance quote.
Step5
Buy minimum coverage. Minimum liability coverage, determined by each state, will save you more money than carrying a large, full coverage policy.
Step6
Carry liability insurance if there is no lien on your vehicle. This is the absolute minimum and cheapest coverage you may carry on your vehicle.
Step7
Raise the deductibles. This may save you 30 to 40 percent.
Step8
Carry insurance with your home insurance provider. Companies usually give a break for those carrying multiple insurance policies with them.
Step9
Buy insurance online. Cutting out the middleman will often save you money.
Step10
Ask for discounts such as being an older driver, multi-car or even driver education courses discounts.
Comments
williamcofl said
on 8/31/2008 I found this site to be of great help when it comes down to affordable car insurance
http://nbjmp.com/click/?s=16045&c=40078
aaatexas said
on 7/15/2008 Step 5: Buy minimum coverage. Minimum liability coverage, determined by each state, will save you more money than carrying a large, full coverage policy
******I would absolutely NEVER recommend carrying minimum limits!
The price difference between minimum limits and the next few limits up ($50,000 per person/$100,000 per occurrence, $50,000 property damage for example) is as low as $3 more a month.
For $3 you can save a financial and legal disaster from happening if you carried minimum limits and totalled a brand new toyota camry for example. The cost of vehicles are increasing (along with everything else) and you need to make sure you have enough coverage to protect your financial assets. We work too hard to have it all taken away over a car accident.
Paula
AAA Texas Agent
harold.paula@aaa-texas.com
aaatexas said
on 7/15/2008 A great way to save on your car insurance is to switch to a member-owned company which will allow you to get lower rates. Once a member of AAA Texas you are eligible for their insurance products.
If you contact me for a new membership, I will:
-waive $20 admission fee on AAA membership
-include a FREE spouse/associate member (an additional $26 savings!)
-provide a FREE, no obligation, comprehensive insurance review (average AAA member saves over $350 a year on their car insurance!)
My contact information is below:
Paula Harold
AAA Texas
harold.paula@aaa-texas.com
1-800-222-8586 ext.5078
I'd love to answer any questions about the membership or insurance in general. Just send me an email!