Car Insurance: Money-Saving Tips

When it comes to shopping for auto insurance most people don't look forward to the task. 3LocalAgents.Com helps make it as simple, easy, and painless as possible. Below are six money-saving tips that may help you save money when shopping for auto insurance.

#1 Consider raising your deductible. You'll be responsible for a larger amount of the bill should you get into an accident. However, it is guaranteed to lower your annual insurance costs.

#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time and you don't need to wait for the policy to expire. Shop your insurance every year and compare prices to ensure you are getting the best deal.

#3 Remove unneeded extras. Although knowing that you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you'll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.

#4 Protect your credit. More insurers have began using credit-based insurance scores to determine what you pay for your policy. Paying the water bill on time will actually keep your insurance costs down.

#5 Research and ask about discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.

#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.

And now for the shameless plug: when you're ready to shop for insurance remember, 3LocalAgents.Com is the fast and easy way to get quotes from agents in your local area!

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