Affordable car insurance is basically an insurance policy that you can
afford to pay. You must make sure, however, that what is affordable
when you purchase the policy remains affordable when you have a
collision. This is not always the case.
One of the options you have when negotiating cheap car insurance is
your deductible. That can make a tremendous difference to your policy
cost, but when the time comes that you have an accident then it can
cost you a lot of money that you might have forgotten that you agreed
to pay. You end up with no money or no car. Naturally if you are
loaded it makes no difference, but then neither do you need the high
deductible for the low cost auto insurance.
Another option that could end up biting you on the booty is to have a
sole driver agreement. You can bet your soon to be sore booty that
when the time comes then you will relent to your son’s or daughter’s
pleadings and let them the car only for that one special night. You
know the rest and will need a pillow to sit on. You could even lose
your car if your insurers refuse to relent – and why should they?
The message from these examples are clear: go for the most inexpensive
car insurance you can get by all means, but make sure that the options
you agree to will be suitable for you. Otherwise pay the extra and
sleep better at night. Even the most affordable policy is not worth the
worry of having to pay too much yourself in the event of a collision or
of upsetting your children through your meanness.
You can also get an affordable car insurance rate if you have
all the safety features you can think of. ABS braking (advanced
braking system), car theft alarms, steering locks and any other
anti-theft devices help you to get a cheap quote, as do air bags for
passengers as well as drivers, and side air bags particularly impress
them.
Lumping all your insurances with the same company is guaranteed to
work, and you can dramatically reduce the cost of your child’s student
car insurance by adding it to yours. Auto insurance comparison can help
by pointing you in the direction of the cheapest company and you could
secure an even more inexpensive rates if you inform your regular auto
insurance company of what you have been offered. Nobody likes to lose a
customer, and might lower their price below what they would normally
offer just to retain your business.
Car insurers are hard nosed people, and not normally associated with
philanthropy, but you can make them bend with persistence. They have
pride, and your best chance of a reduction in your current policy is to
let them think that they are to lose you to a competitor. Just make a
small comment to the effect that they are seeking online testimonials,
and you might get a positive reaction.
Have you though of asking your company if they have a group discount
facility, whereby employees can get cheap policy with the company
insurance providers? If so get a quote, and if not ask why not? Most
companies have leverage with their insurance companies and there is no
reason why they cannot use that to get their employees more affordable
quotes. In fact if they fail to do so it should be regarded as
negligence!
Finally, how about taking an advanced driving course? You want the
cheaper car insurance after all, so why shouldn’t you do something to
earn it. An advanced driver’s course will almost certainly reduce your
premium. If your auto insurer refuses, then threaten to switch
companies. That will change their minds.
If you want more affordable car insurance, you have to be prepared to
do something to earn it, but don’t overstretch yourself on the
deductible unless you can really afford it.
