Tips for Keeping Car Insurance Rates Low
Aside from avoiding being in an accident, there are ways in which car insurance rates can be kept low. However, you sometimes have to be the vigilant one when it comes to finding ways to keep your rates low. In other words, you have to remind the car insurance company that there has to be some way within their system that will allow you to keep a few more bucks in your pocket. This is usually what prompts them to look and see what it is they can do for you, especially if you tell them that another company has got a knockout deal that you would love to take advantage of. That will usually get them up on their toes and make them look for a solution for you.
Discounts
Insurance companies have discount programs for individuals who meet certain criteria. These discounts can usually save around 10% on ..
1. Good grades for students
2. Member of an association like AARP – Military – Banks/ Credit unions and Fraternal organizations
3. Combining coverage, like house and auto policies with the same company
4. Good credit scores usually mean cheaper rates
5. Raising your deductible amount, super easy and has a big impact on premium
You only have to pay your deductible amount when you have a claim and that claim is paid by YOUR carrier. So if you are a good driver, with no claims in the last 7 years you can probably save a ton of money in the long run.
Watch what kind of vehicle you want to buy. If you want a Corvette, you will pay much more to insure it than a Honda Accord…obvious I know but many people forget about having to insure their new vehicle and rarely do they call for a quote on a car they intend to purchase…before they purchase.
Now is a great time to compare rates on smaller carriers like 21 Century, The General, Amica and Nationwide. All of them are stable and reliable carriers and might discount their rates to take market share from the big guys like Geico and Progressive. Don’t be afraid of a carrier just because you have not seen their TV commercial. 
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