How to Get the Cheapest Car Insurance Quote

Posted on October 18, 2017
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On getting the Cheapest Car Insurance Quote

Trying to avoid paying more than you have to? Let's take a look at your options. Here's what you need to know about getting the cheapest car insurance quote.

If you've ever been involved in a car accident or experienced damage to your vehicle, you know how valuable car insurance is. But just because you appreciate what car insurance does, doesn't mean that you love the added driving cost.

The truth is, you might actually be paying more than you have to. Especially if it's been a while since you looked for a new policy. There are so many options out there, and your current policy may not be the best -- or cheapest -- for your needs.

Doing research to find the cheapest car insurance quote could make a significant difference in your overall finances. You could end up paying much less than you currently are.

If you're interested in exploring new options and potentially lowering your car insurance payment, read on to learn everything you need to know about finding the best quote.

  1. Review Your Current Policy

Before you begin shopping for the cheapest car insurance quote, you should take some time to familiarize yourself with your current policy. Consider how the coverage you have actually stacks up against your lifestyle and typical driving habits.

For example, if you haven't been in an accident in several years, you may want a policy that recognizes and rewards safe driving.

Or, if your financial situation has changed since your first bought your policy, you may want to consider increasing your rates and lowering your deductible.

Recognizing what you like and dislike about your current policy will help you make a more informed decision about a new policy. You can fill the current holes in your coverage, or avoid paying for coverage that you know you won't need.

  1. Consider a Bundle

If bundling -- or combining -- insurance purchases is an option for you, it could result in lower payments for each individual policy. You should keep this in mind when shopping for the cheapest car insurance quote.

There are two different types of bundle discounts that insurance companies might be willing to offer. The first is for insuring more than one car at the same time. If someone in your family has a new car to insure or is considering updating their policy as well, this type of bundle could be a good option.

The second type of bundle is for two different types of insurance policies bought at the same time. For example, you could bundle your car and home insurance policies together, or car and motorcycle insurance if that is applicable.

Take stock of all of your insurance needs. If there's potential to bundle, you may want to narrow your search to insurance companies that offer that type of discount.

  1. Upgrading Your Car Could Result in Discounts

If you've added certain features or upgrades to your car, you could qualify for car insurance discounts.

For example, starting January 1, 2016, Ontario began offering an insurance discount to drivers who added snow tires to their cars. Anti-theft devices and dashboard cameras are other features that could result in a lower insurance rate if you've added them to your car.

There is, obviously, an upfront cost to making these kinds of upgrades and if you're doing it just for the insurance discount it might not be worth.

But if you plan to make these changes anyway -- as a matter of car and driver safety -- then you should be aware that there are policies that will reward you for them.

  1. Know Your Driving Record

We all like to think we're good, safe drivers, but few of us actually take the time to evaluate our driving records over the past few years. Doing so could end up saving you money.

Before you begin your search for a new insurance policy, compile a record of your recent driving behavior.

Some things you should note include:

  • • How long has it been since you were in an accident?
  • • How long has it been since you received a driving ticket?
  • • Did you have an accident or traffic violation on your record that was recently dropped?
  • • Did you obtain a higher driver's license level?

You should also note the typical usage for your car, like how far you drive on average, the average speed you maintain and the times of day you're most likely to drive.

It seems like a lot of information to keep track of, but it can make a difference when you're comparing policies. Some companies, for example, may offer safe driving discounts if you've gone a certain amount of years without an accident.

Some companies, for example, may offer safe driving discounts if you've gone a certain amount of years without an accident. Others may offer rates based on your average mileage.

If those types of discounts could apply to you, you want to know it.

  1. Shop Around

The most important thing you can do to ensure you get the cheapest car insurance quote is to compare as many of them as possible. And doing so doesn't have to be a time-consuming process.

Our site makes it easy for you to compare car insurance quotes until you find the best one. Simply enter your information, and we'll return a list of quotes for you to compare that match your circumstances.

Our site works with all of the top providers, so we make it easy for you to get the reliable coverage you need. And you won't have to worry about overpaying for options that aren't relevant to your life and how you drive.

Ready to Find Your Cheapest Car Insurance Quote?

There is never a bad time to stop overpaying for car insurance, and there are a lot of reasons to begin a search for a new policy. If your driving habits or lifestyle have changed, you could qualify for a much lower rate than what you're currently paying.

By connecting you to the best insurance brokers from the top providers, we make it easy for you to find the coverage that's right for you at the lowest rate possible.

Ready to begin shopping for a new car insurance policy? Get a quote today!

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