Most of the 50 states require that drivers comply with mandatory car insurance coverage minimums. This means that drivers have to have at least liability coverage on their personal vehicles at all times. People who disobey the law can face tickets and fines from police officers. It is important for drivers to find the right avenues to secure themselves affordable car insurance coverage. Here are some tips on how to get cheap car insurance.

Set a High Car Insurance Deductible

Drivers who want to have collision auto insurance can set a high deductible so they can get cheap car insurance. A deductible is the amount of money policy holders agree to pay each time they want their auto insurance company to process a claim. Drivers return cheap coverage in exchange for agreeing to take on more of the financial responsibility for the insurance claims.

Purchase Liability Coverage for Cars That Are Old

Many people spend too much money on their monthly car insurance premiums because they are over insuring older vehicles. In essence, people often pay more for their insurance premiums each year than their vehicle is worth. Older cars typically require liability coverage only. This allows drivers to search for much cheaper car insurance policies.

Look for Discounts

Car insurance companies offer great discounts to drivers. Students can benefit from good student discounts. Drivers have to prove that they have a grade point average of at least 3.0 to receive this type of discount. Discounts are also given to individuals who have clean driving records, multiple vehicles and those that serve in the military.

Shop Online for Car Insurance

The Internet is a great resource for drivers who want to comparison shop to find cheap car insurance coverage. There are many insurance websites that allow people to request multiple quotes at one time using the same policy options. Drivers can save a lot of money by comparison shopping several times before their insurance policy comes up for renewal.

Maintain a Good Credit Score

Most car insurance companies run credit checks on drivers. Car insurance companies want to minimize their risk so they will give cheaper car insurance coverage to drivers that have shown that they are financially responsible. If people can clear some or all of their debts then they can increase their credit score and be given cheaper coverage.

Become Loyal to One Insurance Company

Drivers can benefit from being loyal to one car insurance company. Insurers often give loyalty based discounts to individuals who have multiple policies through the same insurance company. Drivers should check into getting a car insurance policy through companies that they have established relationships with.

Auto insurance rates change every six months. 

This is due to the fact that drivers have to renew their policies twice each year. It is important for drivers to know how they can save money on their monthly insurance premiums. Here are some tips on how to lower your auto insurance rates.

Increase Your Credit Score

Many drivers have issues with their credit which can cause their auto insurance rates to be high. It is important for drivers to monitor their credit reports so that they can be made aware of any changes that can negatively impact their credit score. If drivers can reduce their outstanding balances then they can increase their credit scores.This can lower auto insurance rates as drivers are deemed more financially responsible by taking this action.

Remain Accident Free

Drivers can lower their auto insurance rates if they maintain accident free. Every time that an insurance claim has to be filed it costs the auto insurance company money. Insurers offer policy holders good driver discounts. These discounts can help drivers see their rates drop by as much as 20%.

Practice Good Driving Habits

Many drivers get speeding or traffic tickets throughout the year. These driving offenses will appear on a person's driving record. This can leave many people feeling the pain where their auto insurance premiums are concerned. It is important for individuals to focus on using good driving habits so that they can avoid getting tickets. If people can accomplish this then they can receive lower rates when their policy comes up for renewal.

Change Your Zip Code

Many drivers are unaware that the zip code where they reside has a direct correlation to the amount that they have to pay each month for their auto insurance coverage. Drivers can lower their auto insurance rates if they can move to another area that has lower crime especially acts of car theft and vandalism.

Install Safety Devices

Auto insurance companies want to minimize their liabilities. One way that drivers can lower their rates is to install safety devices on their cars such as a security system or anti-theft devices. These help to make cars safer from thieves and reduces the likelihood of an insurance claim needing to be filed.


Purchase a Safer Car

Cars are graded on their safety according to crash test ratings. Drivers can lower their auto insurance rates if they purchase a car that has received a high safety rating. The safer that cars are the more likely they are to prevent serious injuries to occupants if involved in a collision.