How To Get Cheap Car Insurance

 

Cheap car insurance is not a myth. In fact, it is the reality for millions of people who have put in the time and effort to find it. Looking for the most affordable car insurance is not an impossible task. Learn more about how to get cheap car insurance. 

Shop Around

In many cases the most affordable car insurance rates are right at your fingertips. You can search online to find the cheapest rates available. Before you settle with any policy, it is important to compare the prices given by multiple carriers. Experts recommend getting rate quotes from at least three different companies. If you are willing to do additional legwork, you can expand your search to five to ten carriers. Local prices can vary from national rates so you will want to check out both options. Search for auto insurance Salt Lake City in order to find out prices in the area. You can also find great rates by asking family members and friends for their recommendations. 

Increase Your Deductible

Your deductible is one part of the policy that is completely under your control. A deductible is the amount that you have to pay up front before your insurance will cover any part of the claim. The size of your deductible will have the biggest impact on your monthly premiums. The larger your deductible is, the less you will be required to pay each month. This is a great option for anyone that wants to lower their rates but still have full coverage. There are some risks to taking this option. The biggest risk is not having the cash on hand to pay for repairs in the event of an accident. You should only choose this option if you are sure that you can cover the deductible should you be required to. Many people choose this option and set aside the amount of the deductible in a savings account in order to have it when necessary. This is a wise choice, and can even earn you money in interest. 

Combine Your Policies

There are many ways to achieve discounts from insurance carriers. One way is to consolidate all of your policies through a single company. Most carriers provide discounts for consumers who bundle their policies together. You can also earn discounts by insuring multiple vehicles and drivers. To find multiple vehicle discounts search car insurance Salt Lake City. It is also important to only insure what you are using. If you don’t drive a vehicle during part of the year, you may be able to qualify for a different type of coverage. This could reduce your overall rate. 

Driving Habits

Your driving record is another big factor in determining your rates. Keeping a clear driving record will lower your rates by as much as 50 percent. If you are issued a ticket, you may be able to avoid an increase in your rates by going to driving school. This may keep the ticket off your record. Most carriers will provide steep rate reductions for those with a clear record. Ask about safe driver discounts when shopping for rates. 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.