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3 Tips on How to Get the Lowest Premium on Your Car Insurance

Did you know that there are a number of ways in which you can get the lowest premium rates on your car insurance? Here are some of the ways:

Be Wise before Shopping

Before you shop for an insurance policy you should ensure that you develop a great driving record. This calls for you to always obey the speed limit and other driving laws in your area. When driving always drive defensively.

You should stay on your parents’ insurance as long as you can. You should note that your rates will go high when you buy your own insurance.

To show that you are a good driver you should take a defensive-driving course from the National safety council. You should note that while most insurance companies will give you a discount, not all companies will.

Another wise way of doing things is to maintain a good credit score. When you have a good credit score it shows that you are responsible thus eligible for discounts.

Be Wise When Choosing the Insurance Company

Always compare prices from different insurance companies. While you may find that most companies offer the same product, insurance prices tend to vary a lot. As rule of thumb you should go for the cheapest policy.

If you have a life, homeowner’s or renter’s insurance you should contact the company and request for auto rates. Since you are already a member of the company you will most definitely attract interest.

Maintain Your Policy

When you make the purchase always choose a high deductable. You should keep the money that you save in a savings account and use it to pay the deductable in the event you are involved in an accident.

To avoid penalties and show that you are responsible you should always pay your insurance coverage in advance. For ideal results it’s wise that you make annual payments. While monthly rates may appear affordable, they often add significant costs to your overall cost.

Another tip of maintaining the discount is to ensure that you maintain the coverage without lapses. Remember that insurers tend to charge more for reinstatement of insurance. The rates after the reinstatement usually go higher.


These are tips on how to get the lowest premium rates on your car insurance. Even after settling on a given policy, always be looking around. When you find cheaper rates elsewhere, ask your current company for a price decrease.