No one wants car insurance that’s going to break the bank, but how do you know if you’re getting the best deal available? Insurance rates vary by company, and two insurance carriers can quote the same driver different prices for the same coverage. To ensure you’re not overpaying, it’s important to compare multiple quotes before deciding on a policy. Applying for discounts through your provider can also result in lower insurance premiums. Learn more about how to get the cheapest car insurance rates with this article.
Comparing quotes from a few insurance companies can help you get the cheapest rates available. Before you start comparing quotes, you’ll need to gather the following information:
- Personal information from everyone you want on the policy
- Information about your current or future vehicle
- Driving history, including claims and driving courses
- The name of your previous insurance company
- Liability coverage limits
- Car insurance requirements in your state
- Your desired coverage
It’s important to input the same coverage level when comparing quotes for the most accurate results. Aim to collect quotes from at least three different companies while looking for the best deal. Make sure to factor in any discounts you’re eligible for when choosing providers.
Most auto-insurance discounts fall into one of five categories—driver safety, driver status, policy, vehicle, and usage based. Some are automatically applied to your quote, but others require you to notify your provider. Applying for discounts you qualify for will help you get the best rate possible. Always remember that discounts will vary by state and program and are not available in all states and are subject to verification.
These discounts incentivize safe driving and maintaining a clean driving record. Most carriers offer some form of a safe-driver discount, and they can make a large impact on your insurance rate. A clean driving record lowers your insurance premiums because it indicates that you’re less likely to get into an accident and file a claim. You might qualify for a safe-driving discount if you typically drive under the speed limit, avoid aggressive driving, wear your seatbelt, observe stop signs, and more. Some carriers offer discounts to drivers who have been accident free for the last three to five years. If you’ve completed a defensive-driving course, see if your carrier offers defensive-driving discounts.
Driver-status discounts apply to drivers who meet certain criteria in their personal lives. This category includes discounts for good students, students abroad, seniors, veterans or active military, and members of professional or university groups. Examine the personal profiles of everyone on your policy to see if you’re eligible for any of these discounts.
Policy discounts are based on your car insurance coverage. Altering your policy, like bundling it with your spouse’s, can reduce your monthly premium. Policy discounts are usually available for homeowners, multi-car owners, and married couples.
If your car includes safety features such as an anti-theft device, VIN stitching, or anti-lock brakes, you could qualify for a vehicle-based discount. Insurance companies see you as less of a risk if your vehicle is equipped with features that help prevent loss, which results in lower premiums.
If you work from home on a permanent or semi-permanent basis, you might qualify for a low-mileage discount. Some insurers take your average annual mileage into consideration while quoting you, and drivers who stay under 7,500 miles per year may be eligible for cheaper rates.
While you’re comparing rates, don’t forget to explore rates from The General. We’ve been providing five-star coverage to everyday Americans for 60 years, and we can give you a free quote in under two minutes. Customers with imperfect driving records and credit scores are welcome here, as we believe that everyone deserves quality insurance at an affordable price. Read some five-star reviews from satisfied policy holders or get more tips on finding affordable insurance on our blog.