August 14, 2018

Get the Cheapest Car Insurance

When determining your auto insurance needs there are many methods that you can use to obtain cheap car insurance. However, getting the cheapest cost for car insurance does not mean that policy options will be inadequate for the price.

Compare Quotes

Obtain a rate quote from a local agent or from an auto insurance company online. Use car-insurance comparison techniques to determine which company has the best price. Make a note of the options that are offered by each company. Insurance companies that offer policies online may not provide the same support that is provided by a local insurance agent. You can also ask your friends and family if they recommend a local agent or an insurance company.

Available Discounts

Getting the cheapest insurance that is available requires using discounts. Discounts will reduce your policy costs depending on what is available. Many discounts are available that you can use to lower the cost of your car insurance policy. One type of discount that is available for your car-insurance policy is an age-based discount. One type of age-based discount is a mature discount. A mature discount is made available to individuals who are 55 or above. Another type of age-based discount is a price drop for the premium when a young driver has attained the age of 25.

Location and Use of Vehicle

The garage location of your vehicle is a factor in the price of your premium. If your home is in an area with high crime, you may pay a higher premium for your car-insurance. The use of your vehicle is also a factor to the premium cost. Typically, a vehicle can be for commuting or personal use. When your car is used to commute to work, the distance that you travel to work is factored into the premium. To lower the cost of your car insurance make sure your vehicle use is being classified correctly.

Change the Excess

You can pay less for your car insurance by selecting a higher excess. This is the amount you need to pay before your insurance pays out for a claim. If you increase the excess for your policy to $500 or more you can easily get yourself the cheapest car insurance. When you increase the policy excess it is less that insurance companies need to pay when you file a claim.


When using various car insurance comparison techniques you can find the cheapest car insurance price that meets your needs. If you have multiple policies with the same insurance company you may be able to combine them to receive a multi-policy discount. This can decrease the premium for a car-insurance policy another 10 to 20 percent.

This article was written by the PR division at Cheaper van insurance. For more information please visit

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