Dirt Cheap Car Insurance: 4 Smart Steps

1. People who have more than one car will make considerable savings if they insure all those cars with the same insurance company. You are only advised to do otherwise if the total of your premiums with various insurers is lower than what you'll get with a multi-vehicle discount if you buy from one insurance company. You can ensure you are making the right choice by doing extensive comparison shopping. But if you don't have plans to shop around, you can rest assured that you'll still save reasonably with a multi-vehicle discount.

2. A multi-policy discount is a good way to bring down your total insurance spend. That's, for instance, if you get your auto insurance policy from the same carrier that covers your home insurance.

However, you must be careful because the fact that an insurance provider offered you low rates for a policy doesn't suggest they will for another policy. It's worthwhile that you get and compare quotes. You'll be sure of the better choice for you if you take this step.

3. There is something known as "good driver discount." It is for drivers who have not made a claim for 3 years and above. Several insurers don't give this without some persuasion.

Your agent must be made to understand your dissatisfaction with their refusal to give you such a discount and don't fail to point out that you might change over to a different insurance carrier. As you well know, every insurer likes having drivers who stay claims free for this long and you shouldn't have any difficulty getting lower rates with a number of other insurance companies.

And, as a matter of fact, your insurance carrier is likely to have a rethink if they discover you are very serious about leaving.

4. Make out some time to visit at least 5 insurance quotes sites that provide quotes on auto insurance policies. Doing this should take you not more than 25 minutes.

As you visit each quotes site, ensure you give the same information. Doing otherwise will produce misleading quotes. After you've obtained your auto insurance quotes, compare them to determine which serves your interest best both in price and value.

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