How to Drive Down the Cost of Car Insurance

There’s almost no way around it…if you drive a car you need to buy car insurance. Driving without car insurance is like playing Russian roulette with every cartridge a live one. If you drive without car insurance sooner or later you’ll be caught, and when you are the penalties you’ll pay can be extremely expensive – a lot more expensive than buying insurance in the first place.

So what are some of the ways of getting good car insurance without having to mortgage the house to pay for it? One of the best ways is to get online and find Insurance Quotes 4 Free, which offer free car insurance quotes. They can provide some of the cheapest car insurance quotes you can find anywhere.

But before you do that, make sure that you have done everything else you can to keep the cost of driving a vehicle affordable. First and foremost, always drive safely and always obey the speed laws. Do you have any idea how much even one speeding ticket can add to the cost of your car insurance? Trust me, you don’t want to find out!

If you’re in school, stay there and do whatever you can to keep your grades at least a “B”. Good students get good deals on auto insurance.

If you’re married list the wife as the primary driver of all the vehicles and husband as the secondary driver. Women pay less for car insurance than men do, so listing the wife as the primary driver can save you quite a bit.

Set up an auto-pay plan. In other words, pay your premium automatically every month directly out of your bank account. If the insurance company doesn’t have to send you a bill every month they save money – and they pass some of that savings on to you.

Park in a garage at night if at all possible. You pay less in premiums if you park in a garage as opposed to parking on the street or even in your own driveway.

Carpool to work. Not only is carpooling the environmentally right thing to do, carpooling reduces the number of rush hour miles you drive each month by at least 50% (or even more) and the fewer miles you drive to work every month the less your insurance will cost. Let your agent know if you begin carpooling.

Likewise, if you can take public transportation for most of your “driving” needs and leave your car parked at home for emergency use only, you may qualify for a special “Low Mileage” discount that could save you a bundle.

Don’t pay for comprehensive and collision coverage on old cars that have little or no Kelly Blue Book value. You may think that if you have a collision policy on an old clunker that your insurance company will pay you a bundle of cash if you get in an accident, but you’re in for a rude awakening.

Regardless of how much you pay for your collision or comprehensive policy, the insurance company won’t pay you a penny more than Blue Book value for your car even if it’s totaled. So don’t throw your money away on collision or comprehensive coverage on worthless vehicles.

What about your deductible? This is where you can really reduce the cost of your coverage every month. The higher your deductible – in other words, the more you promise to pay to repair your car should you ever have a claim – the less the insurance company is going to charge you every month to insure your vehicle.

The trade-off, of course, is that if you ever are in an accident you’ll have to come up with your deductible out of your own pocket before the insurance company will pay anything for the repair of your vehicle, so consider the question of your deductible carefully. Make certain you can afford what you promise.

Now that you’ve done what you can to reduce the cost of your car insurance what’s the next step? That’s easy. Find a website like Insurance Quotes 4 Free and compare free auto insurance quotes and then choose the best policy for you at the best price you can find. Remember, Insurance Quotes 4 Free is available 24 hours a day, 7 days a week to let you compare insurance quotes for free whenever it’s convenient for you.