A blog about car insurance

Everyone’s looking for the best deal on their car insurance. It’s no surprise, considering how much car insurance has increased over the past few years. And while it’s easy to get caught up in all of the advanced features and low monthly payments that come with these policies—after all, they’re designed to help you save money—it’s important not to lose sight of what really matters when shopping around: finding the right one for your needs and budget.

Shop around

You may be able to save money on your car insurance by shopping around. Be sure to compare rates from at least three companies, and don’t be afraid to ask for a better deal.

Also, don’t forget to ask about discounts. Some of the most common ones include having a good driving record and paying your bill on time every month. Some companies even offer discounts if you install anti-theft devices in your car or maintain an emergency roadside kit with tools that can help you get out of jams like flat tires or dead batteries.

Look for discounts

The best way to save money on your car insurance is to shop around and look for discounts. Some companies offer more than others, so it’s important to compare the different options before signing up with one provider. There are a few common types of discounts that you may be eligible for:

• Good driver discounts – If you have a clean driving record and have not been involved in any accidents or moving violations in the last three years, then this type of discount could apply to you. You should also check with each company about their requirements for receiving this discount as they can differ from one company to another. For example, some companies only offer good driver discounts if your car has seat belts or airbags fitted (which most cars do).
• Multiple policy discounts – This type of discount is offered when an individual has multiple policies with the same insurer on their home as well as their vehicle(s). Some insurers will give an additional discount if there are other policies such as life insurance added onto this package too! Many people choose not to take advantage of these types of offers because they think they don’t need them; however if it means saving money then why not? It might just mean being able to afford something extra while still paying less overall!

Pay your premium upfront

Paying your premium upfront is one of the surest ways to get a discount on your car insurance. This is because it shows the insurer that you are a reliable customer and that they can expect to get their money from you on time. If you pay your premium in full, then you will also be eligible for an additional discount!

Be honest about your commute.

When it comes to your commute, being honest is always the best policy. If you’re not sure whether or not an insurance company will consider your commute high risk, ask them about it before signing anything. Some companies consider any drive over 20 miles per hour to be high risk. So if you live in a city and drive on busy streets during rush hour, chances are good that your commute will be considered high risk by some insurance providers.

If you don’t let the insurance company know how much time and effort you spend on the road, they may not cover any damage sustained while driving in a high-risk area—and that could cost hundreds of dollars!

Consider raising your deductible

The deductible is the amount of money you pay before your insurance kicks in. The higher your deductible, the lower your premium. However, if you have an accident and need to file a claim, you’ll be responsible for paying out of pocket until your deductible has been met. For example:

• A $500 deductible means that if something happens to your car and it costs $1,000 to repair, then all you would pay is $500 out-of-pocket until you’ve met that threshold. Afterward, all expenses are covered by your car insurance company
• A $100 deductible means that if something happens to your car and it costs $1,000 to repair (or more), then all expenses up until $900 will come out-of-pocket by yourself

Car insurance is a necessary expense, but it doesn’t have to be expensive.

Car insurance is a necessary expense, but it doesn’t have to be expensive.

If you’re like most people, car insurance is one of your largest monthly expenses. Just how much you pay for car insurance depends on many factors: the type of vehicle you drive and its value; the number of accidents you’ve been in recently; whether or not you have received traffic tickets lately; and the history of driving records for all drivers listed on your policy.

The good news is that there are ways to save money on car insurance without switching companies or reducing coverage — some people even find themselves paying less than they did previously. If this sounds like something you’d be interested in, give iInsure a call! 

Conclusion

Remember, the best way to save money on your auto insurance is by shopping around and getting competitive quotes. Even if you’re happy with your current provider, they may not be able to match prices from new companies that want their business—and there’s no harm in asking. And don’t forget about discounts! A lot of people don’t realize that certain types of driving behavior might qualify them for savings on their premiums (like avoiding accidents or keeping a clean record), so it’s important to do some research before signing up for any policies.

Looking for a way to protect all of the investments that matter in your life without overspending to do so? Our office can help you out with all of your boat, home, auto, or business insurance needs, ensuring that you always have the peace of mind you need in all aspects of your life. Contact iInsure today to learn more about how we can protect you!