How to Get the Lowest Auto Insurance Rates

Want to know how to get the lowest auto insurance rates so you won't have to spend an arm and a leg getting your car on the road? Here's how:


How to Get the Lowest Auto Insurance Rate

In order to get the lowest auto insurance rate you have to do three things:

1. You have to comparison shop to get quotes from a number of auto insurance companies in order to get the cheapest quote.

2. Your have to get all the discounts you're eligible for in order to make that quote even cheaper.

3. You have to get the highest deductible you can afford in order to get the best quote.

Here's how ...


1. Compare Quotes

Insurance rates can vary by hundreds of dollars a year from one company to another, so the first step in getting the cheapest rate is to get quotes from different companies.

The quickest and easiest way to get quotes is to go online to an insurance comparison website. At these sites you fill out a simple online form with your name, address, driving history, type of car, and the amount of coverage you want. You then get multiple quotes from major automobile insurance companies who bid for your business.

If you need help filling out the form, or want tips on how to lower your quote, the top comparison sites have experts on hand who can help you.


2. Get Discounts

Insurance companies offer discounts for a variety of reasons, such as ...

* Driving less miles than the average driver

* Having a clean driving record for at least three years

* Being 55 years old or older

* Having a car alarm or anti-theft device

* Having your homeowners or renters insurance and your car insurance with the same company

.. and many others.

Insurance companies don't always tell you all the discounts that may be available to you, so you have to ask your agent or representative to list those discounts and include them in your policy.


3. Get a High Deductible

Raising your deductible - the amount you pay for a claim before your insurer pays - can save you a lot of money on your premium. For instance, raising your deductible from $250 to $500 or $1,000 can save you 10% - 50%. Just make sure you'll be able to pay the deductible should you need to file a claim.


Where to Get the Lowest Quotes

Visit http://www.LowerRateQuotes.com or click on the following link to get the lowest auto insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.


The author, Brian Stevens, is a former insurance agent and financial consultant who's written numerous articles on getting the lowest auto insurance quotes.