Getting cheap car insurance can often be difficult if you don't know how the system works or what to look for.
You need to know what factors influence the premium of your auto insurance policy price.
When filling in a form to get a quote from an auto insurer, you'll have a lot of questions to answer.
Each of these questions affects the price of your insurance in some way, so by knowing what to put, and by doing a couple of external things, you can drastically cut the cost of your auto insurance.
I'm not saying that you should lie but by changing your life in small ways you can cut costs drastically.
Firstly, the best kept secret of the auto insurance world is how you manage your excess.
By agreeing to pay a larger excess on each claim (you won't actually have to 'pay' anything unless you crash) you can reduce your auto insurance policy's quoted price.
Why does this work? Because you're reducing the likelihood that your insurer will have to pay out on a claim for you (as they won't be paying out on smaller claims), so their risk goes down, meaning the price they quote you also goes down.
This is an important feature to remember when looking for auto insurance quotes.
Another major influence in your auto insurance price is where you live.
If you live in a crime-ridden urban area, you can bet your premium will be more than if you live in a nice village in the countryside.
This is because the risk of your car getting stolen is much less in the countryside.
However, there's not much you can do about this, unless you want to move house, but it's good to know that it does have an impact.
Another major feature is the number of miles you do per year, and the types of ways in which you use your car.
The more you drive, naturally the more you insurance costs will be.
You can lie about this when getting an auto insurance quote, but as it's only a rough estimate it might not make much difference.
Finally, if you own multiple insurance policies (such as home insurance, auto insurance, boat insurance, travel insurance, etc) you can combine all of these policies, and get insured on them all by the same company.
If you do this you'll usually receive some kind of a discount (or if you don't just ask a representative and they'll sort you one out).
You need to know what factors influence the premium of your auto insurance policy price.
When filling in a form to get a quote from an auto insurer, you'll have a lot of questions to answer.
Each of these questions affects the price of your insurance in some way, so by knowing what to put, and by doing a couple of external things, you can drastically cut the cost of your auto insurance.
I'm not saying that you should lie but by changing your life in small ways you can cut costs drastically.
Firstly, the best kept secret of the auto insurance world is how you manage your excess.
By agreeing to pay a larger excess on each claim (you won't actually have to 'pay' anything unless you crash) you can reduce your auto insurance policy's quoted price.
Why does this work? Because you're reducing the likelihood that your insurer will have to pay out on a claim for you (as they won't be paying out on smaller claims), so their risk goes down, meaning the price they quote you also goes down.
This is an important feature to remember when looking for auto insurance quotes.
Another major influence in your auto insurance price is where you live.
If you live in a crime-ridden urban area, you can bet your premium will be more than if you live in a nice village in the countryside.
This is because the risk of your car getting stolen is much less in the countryside.
However, there's not much you can do about this, unless you want to move house, but it's good to know that it does have an impact.
Another major feature is the number of miles you do per year, and the types of ways in which you use your car.
The more you drive, naturally the more you insurance costs will be.
You can lie about this when getting an auto insurance quote, but as it's only a rough estimate it might not make much difference.
Finally, if you own multiple insurance policies (such as home insurance, auto insurance, boat insurance, travel insurance, etc) you can combine all of these policies, and get insured on them all by the same company.
If you do this you'll usually receive some kind of a discount (or if you don't just ask a representative and they'll sort you one out).
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