Very Cheap Automobile Insurance: Four Time-Tested Ways

1. A multi-vehicle discount is a sure-fire and simple way to get lower car insurance rates. It It's advisable to insure all your vehicles with the same insurer unless you have a better bargain for a number of your cars with another insurance carrier. Doing some shopping and then checking with what you'll save with a multi-vehicle discount is a good way to know for sure if this is in your best interest. But if you don't intend to shop around, you can be sure that you'll still save handsomely with a multi-vehicle discount.

2. You'll also be eligible for a considerable discount if you maintain more than one policy with the same insurer. All you need to do to qualify for this is to purchase your auto insurance policy from the same insurer which is handling, say, your homeowner insurance.

Nevertheless, note that you may be better off if you purchase your different policies from various insurers who offer the best quotes for each policy. Do some research with quotes sites and also have a chat with your insurance agent. If you do this, you'll be in a position to determine if switching would make you save a lot more.

3. Policyholders who do NOT make claims for more than three years generally get a discount for this. But don't be taken aback if your insurance agent tells you your car insurance company does not offer this discount.

If your insurance carrier is one of those who don't give this discount let them know point-blank that you will go to another 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 finding better rates with many other insurance companies.

However, oftentimes the threat of switching from you will be enough to force them to make an exemption.

4. As you take these other steps to cut down your auto insurance costs, here's something you can do to get lower rates now: Visit reputable quotes sites and get quotes.

Visit a minimum of five of such sites for the best results. It's free, quick and easy. Make sure you give your correct details as you fill the forms on each site. The last step is to simply choose the quote that represents the best price/value from the quotes you receive.