We are all being hit with these little economic struggles. While things will get better, they always do, this can be a good time because it makes us take a closer look at our financial records than we may have if things were going great and the money was flowing in. So along with the cable bill or the cell phone bill, trying to get a cheap rate when it comes to your car insurance should be on that list or things you may have to try and lower to save you a few bucks. Here 6 tips that may help you get cheaper car insurance:
# 1. Get a copy of your credit report
Wrong or not, some of these companies look at these reports to see if you pay your bills on time or not. Whether or not it is the right, it's a reality. Make sure you have no blemishes on your credit report.
# 2. Skip the collision coverage …. if you dare
No, seriously, if you have a car that is really old or does not have a very expensive replacement cost then you can go with out it. You could use the money you would save to buy a new car.
# 3. Shop around
Duh. Not to state the obvious, but with the internet there is really no excuse you can not spend an hour or two getting different quotes or making a couple of phone calls.
# 4. High Deductible
A lot of people do not like to do this, but you can gamble a little bit and go with more out of pocket if you were to get into an accident. It can kind of be like gambling, but might be worth looking into.
# 5. Low Mileage Discounts
Some companies will actually give discount if you do not drive that much. So if you live close to work or just do not really drive that often, ask your provider if they offer some kind of discount. You may be pleasantly surprised.
# 6. Ask
Things change. Rates change. They are not going to call you. You need to call them.
These are all simple things, but if you just take a little bit of time to peruse a few of them you might have a few more bucks at the end of the year.