Car insurance does not have to be so expensive you must sale your house to pay for it. Here are a few car insurance tips and tricks that will help keep that premium lower.
Keep your liability limits low and your deductibles high.
Most states require different minimum liability limits so check with your agent as to what the minimum in your state is. Then simply opt for the lower deductibles if you do not have a lot of valuables, investments, and possessions to protect. If you carry comprehensive and collision the choose to carry higher deductible or what you pay out of pocket in the event of an accident. Carrying a $500 collision deductible compared to a $100 deductible can save you around $400 a year maybe more.
Make sure you drive the right kind of car.
First of all pickup trucks get a discount applied which does not apply to cars. So if you purchase an older model pickup which you will not have a lien holder on and can carry just liability and uninsured motorist, you can actually save yourself $600 or more a year on insurance. If you have to choose do not go for a high performance vehicle as these can be very expensive on insurance. Even if you do not have young drivers in the household, a high performance vehicle can run you $900 or more per year for full coverage insurance. If you have young drivers in the household and buy a high performance car, you may be looking at paying $1500 or a lot more for full coverage insurance on a high performance vehicle.
To find the most affordable insurance check around with all the insurance companies you can.
Make sure before you decide which company to go with you do your homework on the company. Even if they have the lowest rates but only get a two star rating from the Department of Insurance, you will not be better off than if you went with the company with the higher premium. Check to make sure the company does not have any complaints on them. Make sure you find out their percentage of policies cancelled due to accidents. And always make certain to find out how easy it is to file a claim with the company.
Therefore, lower liability limits, higher deductibles, the right vehicle, and doing your homework on the insurance company are some of the easiest car insurance tips and tricks.