One way that you can do to have cheaper car insurance without sacrificing quality is to lower the comprehensive, liability, collision or medical payment coverages of your car insurance policy. You can do this by increasing your deductibles on your car insurance. As much as possible, you should have loans that up to $1000 deductible.
You can also lower your medical payments and liability, as long as you are having a hard time paying for your premium. Take note however that it is not suggested for general savings. Your auto insurance coverage should not be sacrificed if you wish to avail for cheap insurance.
You can also opt to avail for comprehensive storage coverage. This type of coverage will help you save money. If you store your car in a period of time, you can avail this type of coverage rather than getting a collision or liability coverage. If your car is stored, it is unlikely that your car will get into accident or collision.
Another tip that you can follow is to combine your car and home insurance. You will be given deduction if you avail these insurances in same company. It is five percent to 20 percent discount in your auto insurance rate.
Monitor your credit rating which means that you should keep your credit clean. Having good shape credit ratings will give you a lower car insurance policy. The rating of your credit will determine your car insurance policy. This is possible because most of insurance companies are checking the credit record of their customers. If your credit rating is bad, you can choose to get your insurance from companies that are not checking credit records.
If you have already a collision and comprehensive coverage on your car, you can drop or not need rental coverage. Having the said two coverages, comprehensive and collision, means that you are already covered as well as your rental cars. Dropping some not necessary coverage will help you to avail affordable insurance yet can protect your well-being. It is also possible that you can put your second hand car on liability to obtain a multiple car discount.
You should also know that you can have cheap insurance by having both of your two cars insured. Do not forget to ask your insurance agent to make sure that you can get discount for insuring two cars.
Ask also your insurance company if they give discount auto insurance when you are going to attend a defensive driving course. You can contact a state insurance commissioner to find out how you will qualify for a course and where to take it.
These ways mentioned above will surely help you turn your insurance into cheap one. Just make sure that you are well protected with having cheap insurance.