| Anyone can jump online and blindly start | | | | Discount on your car insurance. |
| filling in forms on one of the many websites | | | | |
| designed to let you compare the cost of | | | | Have you been with the same insurance company |
| automobile insurance between different | | | | for at least 5 years? If so, be sure you are |
| insurance companies. But unless you know the | | | | getting your Long Term Discount on your car |
| right answers to plug into the form you're | | | | insurance. |
| not really getting the results you're hoping | | | | |
| to get. | | | | Are you under 25? Drivers under 25 are |
| | | | automatically placed in a higher-risk |
| Before you go online to find the best price | | | | category and their rates are higher. If you |
| for your automobile insurance it would pay | | | | can stay on a parents' policy until you have |
| you to take a moment and put together - on | | | | your 25th birthday that will help to keep |
| paper - a policy that is designed from the | | | | your rates a little lower, and if you stay in |
| ground up to provide you with the car | | | | school and maintain at least a 3.0 grade |
| insurance you need at the lowest price | | | | point average you will save an additional 5% |
| possible. | | | | as a Good Student Discount. |
| | | | |
| Then, when you make your price comparisons | | | | Are you 55 or older? Many car insurance |
| online you'll really and truly be finding the | | | | companies will allow you to take a special |
| very best price you can possible get for you | | | | driver's refresher course that (assuming you |
| car insurance. | | | | pass it ) will save you about 10% a month on |
| | | | your premiums. Ask your agent if your company |
| So what are some of the things you can do to | | | | offers such a program. |
| lower your car insurance rates immediately? | | | | |
| | | | Don't make small or frivolous claims. Many |
| The most important thing you can do to keep | | | | insurance companies offer you a discount or |
| your insurance rates as low as possible is to | | | | will reduce your deductible if you go as |
| keep your driving record clean. In other | | | | little as 6 months without filing a claim. |
| words, don't speed and don't do anything else | | | | |
| that will place a moving violation on your | | | | If you drive an older car which no longer has |
| record. | | | | any Kelly Blue Book value then you are just |
| | | | throwing your premium dollars down the drain |
| Whatever you do, never drive drunk or | | | | if you continue paying for collision or |
| impaired. Do you have any idea what even one | | | | comprehensive insurance. Save your cash. |
| conviction for Driving While Intoxicated | | | | |
| (DWI) or Driving Under the Influence (DUI) | | | | And speaking of cash, how large of a |
| will do to your car insurance rates? One | | | | deductible can you afford? Consider carefully |
| conviction can almost double your rates. And | | | | because the size you choose represents the |
| if you are convicted for a second DWI or DUI | | | | chuck of cash you will have to come up with |
| you'll be lucky to find car insurance at any | | | | out of your own wallet if you should ever |
| price. | | | | file a claim. With that in mind, the larger |
| | | | your deductible the lower your monthly car |
| Can you keep your car in a garage at night? | | | | insurance premium will be. |
| If you can, let your agent know as this will | | | | |
| save you some money every month. | | | | All right. You now have enough information to |
| | | | intelligently answer the questions on several |
| What's your credit score? Many people are | | | | of the car insurance price comparison |
| unaware that their credit score affects how | | | | websites so that you can create the least |
| much they pay for car insurance, but it does. | | | | expensive policy possible. |
| Keep your credit in check and do whatever you | | | | |
| can to raise your score because the better | | | | Don't get lazy and think that you only need |
| your credit score the lower your monthly car | | | | to make your comparisons on one website. |
| insurance premium is going to be. | | | | You'll need to make comparisons on at least 3 |
| | | | websites if you want to insure that you are |
| If you have other insurance policies it will | | | | really and truly finding the best price |
| save you money if you can consolidate them | | | | possible and getting the cheapest car |
| all with the same insurance agency. In this | | | | insurance online in New Jersey that you |
| way you will qualify for a Multiple-Policy | | | | possibly can. |