How to Get Affordable Car Insurance

Carrying car insurance is required in every state. It is never free but the good news is there are ways to find the cheapest and best insurance that meets your budget. The following will help you in your efforts in finding the car insurance for you.

Difficulty: Moderately Easy

Instructions

Things You'll Need:

• Determined budget

1. Determine what is within your budget before buying auto insurance.

2. Check for rates prior to purchasing a vehicle. If you cannot afford the insurance, then you cannot afford the vehicle.

3. Keep good credit. A growing number of insurance companies base rates of their customers in their credit history.

4. Drive safely. Your driving history is the number one factor insurance companies use when calculating an insurance quote.

5. Buy minimum coverage. Minimum liability coverage, determined by each state, will save you more money than carrying a large, full coverage policy.

6. 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.

7. Raise the deductibles. This may save you 30 to 40 percent.

8. Carry insurance with your home insurance provider. Companies usually give a break for those carrying multiple insurance policies with them.

9. Buy insurance online. Cutting out the middleman will often save you money.

10. Ask for discounts such as being an older driver, multi-car or even driver education courses discounts.

Tips & Warnings

• Liability insurance only covers the other party in the event of an accident. You will be responsible for paying for your own vehicle repairs.
• Raising the deductibles means more out-of- pocket expense if an accident occurs.

[williamcofl]

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]

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
[e-mail]

[aaatexas]

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
[e-mail]
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!