Car Insurance Tips

Auto policy costs and regulations vary significantly from state to state, but there are a number of areas that consumers are able to control and adjust to optimize prices and quality. Here are some tips that will help you keep your auto insurance rates down:

1. Shop around
   
   The cost of a six-month auto insurance policy for the same driver with the same coverage varies greatly from one company to another, and the difference between the highest and lowest-cost coverage averages $600.
   
   We recommend starting your search at Insurance.com and Insweb -- insurance marketplaces where you can get free side-by-side rates from several top auto insurance companies all in one place. Just fill out one simple form, and compare car insurance quotes instantly from many of the nation's top Insurance Companies.
   
   If you reside in the UK, visit Insurance.co.uk to get your free car insurance quote, and an extra 5% off when you place your order online.
   
   

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   	Compare Auto Insurance Rates with InsWeb
   	The fast route to competitive car insurance. Get an extra 5% off online (UK)
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2. Ask About Discounts
   It often pays off to inquire about current discounts or promotions because insurers are not always going to volunteer it. Some insurers offer discounts for things like no accidents in the last three years, car safety features such as anti-lock brake system, alarm, automatic seat belt, and air bags. Good grades for students and having more than one car insured with that company might also help you lower your rate.
3. Ask for Higher Deductibles
   Deductibles represent the portion of the loss that the policyholder agrees to pay out of pocket, before the insurance company pays the amount they are obligated to cover. By requesting higher deductibles on collision and comprehensive coverage, you can lower your costs substantially.

Here are five more ways to save on your auto insurance:

1. Take a defensive driving course.
2. Pay in full, twice a year.
3. Move to a "safer" zip code with fewer uninsured motorists and less traffic.
4. If you are not married, get married :)
5. And, of course, drive safely and keep your driving records clean.

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