How to Get a Discount Auto Insurance Quote

If you are looking for a cheap car insurance policy, you can always opt for a discount auto insurance quote. Discount auto insurance quotes are offered by a variety of insurance companies. However, consumers have to be honest with the information they provide. If they lie, they risk getting their auto insurance policy cancelled or paying a higher rate than they need. auto insurance quotes online free

The Insurance Information Institute suggests that you get at least three quotes before making your final decision. The reason for this is that insurance rates differ from company to company. The best way to compare them is to go online and visit the websites of the companies. These websites have information on different discounts that may be available in your state. You can also try bundling home and auto insurance to save even more money.

Discounts are also available based on how much you drive. Some insurance companies offer discounts if you drive less than 12,000 miles a year. By reducing your mileage, you can save up to 30% or more on your car insurance. Many of these discounts also apply to infrequent drivers, so be sure to ask your agent about the discounts you may qualify for.

Another way to save money on car insurance is to maintain a good driving record. Drivers who are accident-free for a period of three or five years may save up to 22%. Many insurers also offer discounts if drivers have taken a defensive driving course. These classes are available for a small fee and you must present a certificate of completion to qualify for the discount.

Always remember to shop around and compare the different discounts and premiums of different companies. A local agent will offer you a more affordable quote. When looking for car insurance, make sure to ask for quotes for both types of insurance. It is always good to get as many quotes as possible and compare them before you make your final decision.

Another way to get cheap auto insurance is to bundle your policies. For example, State Farm offers a 25% discount for having two or more cars under one policy. This can save a couple $200 a year. You should also check with your lender to see if you qualify for a discount for bundling your insurance policies.

Some insurance companies also offer discounts based on the age and experience of the driver. Older drivers are viewed as less risky, so they may be eligible for a discount. You can also qualify for a discount if your vehicle has air bags, automatic seatbelts, or alarms. You can also qualify for a discount by driving a low mileage vehicle.