Lowering auto insurance quotes by using discounts

Depending on your driving record, your age, the agency you choose to do business with, the amount of coverage required and the vehicle's safety features the price of auto insurance can often vary by hundreds of dollars. It's a competitive world, and you'll need all the help you can get to find the best deals. Here are a few helpful tips: Before stopping shop around. To get the best insurance premiums you should spend quality time shopping. Even if you've been doing business with the same company for years, there's always the possibility that a competitive company will make you a better offer. Or. At the very least, you can take the competitive offer back to your insurer to negotiate a better deal. Are you active military? If you're active military, or even retired, you may be able to qualify for special discounts. Insist on paying higher deductibles. If you're involved in an accident, you most likely will be asked to pay a deductible. The deductible is the amount you must pay before your insurance policy takes effect. A higher deductible payment could mean lowering your collision and comprehensive coverage costs by as much as 20-30 percent. The more you choose to pay on your deductibles, the lower your cost for coverage can be. Consider lowering or eliminating coverage of older cars. If you're driving an older car, you may want to consider that you cost of insurance could exceed the amount you receive on a claim. Check with your sate first before eliminating coverage on an older car. Auto liability requirements are likely vary from state to state. Find other discounts and take advantage of them. Are you an accident-free driver? Have you taken any recent defensive driving courses? Do you belong to any special clubs or organizations? Are you insuring both your home and car on the same policy? Does your car have special features, like anti-lock brakes, passive restraint, anti-theft devices or low mileage? If so, there could be an auto insurance quote with your name written on it. Take advantage of accident forgiveness discounts if offered. Depending on your insurance carrier, you may qualify for accident forgiveness. This allows your rates to remain the same if you have an accident after a lengthy time having gone accident free. This benefit may only apply to specific policies and insurance companies. Consider paying your premium in full. By paying your premium in full, you may be able to qualify for a considerable discount. Are you a good student? If you're a student who's doing well in school, you may be able to qualify for low auto insurance quotes. Are you 16 or older? Are you keeping your grades up? Do you rank in the top 20 percent of your class? Check, or have your parents inquire. You don't have to settle for sky-high auto insurance quotes. Shop around for the best prices.