Find the Cheapest Car Insurance Premiums Online

The best way to find the cheapest car insurance premiums is to shop around. With websites such as, this is quick and easy. You can simply enter your basic information and in no time flat, you will receive free quotes from top insurers nationwide. Then, you can simply compare plans and choose the best one. Look for the most complete coverage at the lowest possible rate and you are sure to be pleased with the results.

While on the phone with the insurance agent, there are a few items you can ask about to ensure you get the cheapest car insurance premiums. First, ask about bundling your other types of insurance with the same company for a discount. Many car insurance companies will offer to insure your home or rental, life, and health coverage. When you combine these policies with the same company, you can likely save a bundle.

Also ask about increasing your deductible. By increasing your deductible to $1,500, you could save up to 20% on your monthly car insurance premiums. One item to be careful of is to look at your typical cash on hand and savings. If you are in a car accident and the cost to fix your vehicle is more than $1,500, you will have to come up with that amount before the insurance starts to pick up the tab. If this is too much, than this may not be a good idea. Consider your personal situation before increasing your deductible to save on your car insurance.

Ask the car insurance agent if there are additional discounts if you pay online or at larger increments of time. By cutting down on billing costs for the insurance company, the savings can be passed onto you. In fact, some car insurance companies will offer up to a 10% discount if you set up automatic payments, online payments or pay in 6 month or 1 year installments.

When off the phone and on the road, be sure to keep your driving record and credit history clean. The better your driving record and the higher your credit score, the more you will save on your car insurance. Both these items have to do with risk. Your diving record gives the insurance company an idea of the likelihood that you will be in an expensive accident that they may need to cover. The credit history points to whether you will pay your premiums on time and if you will always have the means to pay. If it is likely that you will not get in an accident and you will pay your bill on time, than it is more likely that you will enjoy the cheapest car insurance premiums.

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