How to get cheap car insurance rates and low cost car insurance quotes
GENERAL INSURANCE SHOPPING TIPS
6) Check into group discounts such as those offered to union and guild members and company employees. The AARP also offers discounted policies for its members. (You may join the AARP if you are fifty or over.)
7) Other discounts may be based on behavior, such as cheaper health or life insurance rates for those who don't smoke. Many health insurance plans offer reimbursement for health club costs as long as you use the facility to exercise on a regular basis. Homeowners and automobile policyholders pay less when they have security devices installed in their homes and cars.
8) Remember that all insurance companies are not created equal. Some have better track records, economic health, and customer satisfaction than others. Check with the companies that rate insurers' fiscal strength.
9) Do not necessarily jump at raising your deductibles or lowering your amount of coverage to get a lower premium. Only do this if your budget is so tight that it warrants it. It's impossible to know how much insurance you'll actually use, but once a loss occurs you can't raise your coverage to protect that loss. As an example, one company offers $10,000 of term life insurance for a male between the ages of 45 and 49 at $11.42 per month. To buy five times as much coverage, $50,000, it would cost one dollar more per day. That's less than a cup of coffee per day or a tank of gas per month.
10) Before you buy any policy make sure that all of your questions have been answered by the insurer and that you feel comfortable dealing with the agent and company you are about to select.
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