First, shop around-

Prices on an automobile insurance quote seem to change with companys every year. While your company may be the cheapest this year, next year is a different question. If your going to get an automobile insurance quote, it's worth your while to get at least 3 quotes from different agents. You can do this easily on our site by entering you zip code in the form above. Your states insurance department website may also provide comparisons of prices charged by major insurers.

Buying a new car? Compare insurance costs first.

Insurance rates are based on the purchase price and repair cost of a car. Insurance companies also base the prices on theft probability and the safety of the car. If a car has anti theft devices to prevent theft, or airbags, etc to protect against injury in an accident, then these items will more than likely lower you insurance premium.

Higher deductibles equal lower premiums.

By purchasing a policy with higher deductibles, you can lower your costs quite a bit. Ask an agent about this option when looking at an automobile insurance quote.

Purchase your home owner and automobile insurance from the same company.

Many companies will give you a discount if you purchase multiple policies from them. If you get an automobile insurance quote that looks good, ask the agent if the price would be lower if you moved you home owners insurance to them as well,

Don't drive very much? Let an agent know.

Most people never think to let their agents know if they are not driving as much as they used to. If you used to drive 20,000 miles per year and are now only driving 10,000 , they could save quite a bit of money.

No Tickets or Accidents?

If you haven'y had a ticket or an accident in a while, you may be eligible for a good driver discount. Make sure to mention this when getting an automobile insurance quote.

The following items can bring you discounts:

• Multiple Policy Discount
  You might save on your automobile insurance quote if you also insure your home with the same company. That could be a homeowners, condominium, mobile home, or (in some states) renters policy.

• Passive Restraint Systems (airbags/seatbelts) Discount
  You could save on your automobile insurance if your car is equipped with airbags or factory-installed motorized seatbelts.
  
• Anti-Lock Brake Discount
  If your car has an automatic factory-installed four-wheel anti-lock braking system (ABS), you could save on your automobile insurance premium.
  
• Anti-Theft Device Discount
  In some states, you could save if your car is equipped with certain anti-theft devices.

• Good Student Discount
  If you are a full-time student who meets certain grade requirements and are under age 25 (in some states the age is 21) and unmarried, you could save money on your automobile insurance.
  
• Senior Adult Discount
  You could save on your Personal Injury Protection (PIP) coverage if more than 25% of the estimated mileage driven on your car is by anyone 65 years of age or older. (PIP coverage and this discount are not available in all states.)
  
• 55 and Retired Discount
  If you are 55 or older and not employed full time, you could save money on your automobile insurance.
  
• New Car Discount
  This discount may apply when you insure a brand new (never previously titled) vehicle. Eligibility and amount of the discount will depend on the model year of the vehicle and your state.
  
• Economy Car Discount
  If you own a certain type of economy car, you could save on your automobile insurance quote.
  
• Utility Vehicle Discount
  You could save money if you own a certain type of pickup truck.
  
• Resident Student Discount
  If there is a driver on your policy under age 21 who lives at school over 100 miles from home, you could save money on your automobile insurance policy.
  
• Farm Discount
  This discount applies to automobiles used principally by a person or persons residing on a farm, ranch or orchard, provided the vehicle is not customarily used driving to and from work other than farming or ranching. The operator's principal profession must be farming or ranching.

*The discounts listed may not be available in all states or from all insurance companies. Please ask an agent about them when getting an automobile insurance quote.

But don't just shop price. Make sure that you select a policy that meets your expectations with price, but also make sure to get it from an agent that meets your expectations with service.

Get a free automobile insurance quote from our freindly agents, by entering your zip code at the top of this page.

© Copyright by Insurance Quotes Express.com

Top of Page