Free Car Insurance Deals | Best Auto Insurance Quotes Online

Here's How to Get Free Car Insurance Deals

So you are interested in locating free car insurance deals. Well, I will show you now not just how to find those free deals but rather how to find the cheapest car insurance rate that is available in your area.

The single most critical factor in getting the best auto insurance deals is shopping around for as many quotes as you can. How many? you should go for at least 5 quotes from different auto insurance companies, less than that will simply not do the job.

Now, the problem is that shopping around for five quotes can be a tedious and time consuming task - well, not anymore, now it can be much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location. in order to maximize your chances of getting the best rate possible we recommend you use both services:

InsurMe - May save you hundreds on your car insurance. Simply enter in your zip code and get free quotes from providers in your local area that offer great rates.

Kanetix - Provides multiple company insurance rates, see how companies compete for your business. Offers great rates from quality insurers.

Once you have in your hands several quotes, you can use The Car Insurance Price Comparison Tool to make sure you compare "apples to apples".

Here is how to further lower your rate to get the best car insurance deals

Here is a list of strategies to help you further reduce your car insurance cost:

Before You Buy a Car, Compare Insurance Costs
One of your considerations when shopping for a new or a used car should be the insurance costs. Car insurance rates are based in part on the price of the car, the cost to repair it, its overall safety record and the likelihood of theft.

Ask for Higher Deductibles
Deductibles are what you pay before your insurance policy kicks in. On your way to getting free car insurance deals you may want to consider increasing the amount of your deductible. Decide how much of the initial loss to your automobile you can afford to pay and see what deductibles various companies offer. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

Reduce Coverage on Older Cars
Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.

Buy Your Homeowners and Auto Coverage From the Same Insurer
Many insurance providers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers.

Maintain a Good Credit Record
Establishing a solid credit history can cut your insurance costs. Many insurance companies use credit information to price auto insurance policies.

Paying Premiums
You can save on service charges by paying premiums in full rather than on a quarterly or month-to-month basis.

Lower Your Current Rate
Are you satisfied with your current agent and don't want to switch insurers? here's a simple trick that will practically "force" your agent to reduce your rate: follow the procedures in this guide to get a cheap quote from another insurer. Present your agent with the cheaper quote you got and tell him that you want to stay with him but in light of the cheap quote you have it is really difficult for you. This strategy will surely "persuade" him to reduce your rate.

Take Advantage of Low Mileage Discounts
Some insurers offer discounts to car owners who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.

Ask About Group Insurance
Some companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or from other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.

Young Drivers With Good Grades
If you have a driver over the age of 16 and under the age of 25 who is either a full time student or a graduate of a college or university with a "B" or better grade average or a 3 point average on a 4 point scale, this driver may qualify for a good student discount.

Avoid Duplicating Medical Coverage
If you already have good health, life and disability insurance, buy only the minimum personal injury protection required by the state where you live.

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Meir Liraz