Owning a car is a great sense of freedom and really opens the door for new opportunities, different job options, travel options and new experiences. Owning a car is also expensive though, between common wear and tear replacements as well as the upfront cost, the cost of gas every week and paying for car insurance, it certainly isn’t easy.
Yet there are always ways to save. Here are three tips to find the cheapest car insurance.
1. Make Sure You Shop Around – Whether you are a new car owner or have been with the same company for years, take the time to shop around with different insurance companies in your area. Shopping around will allow you to see what other companies are offering and if you are getting a good deal where you are at or if you could be saving more elsewhere. Check with your current provider to see if you are eligible for any safe driving or loyalty discounts to save you more money.
2. Bundle Policies Together – Combining your insurance policies is also a good way to save money. Insurance companies want all of your business, not just one piece. Bundling things like your car, home and boat insurance polices will lower the costs. Grouping any polices you might want covered is a good idea to keep yourself more organized but it can also save you money on each of the separate plans.
3. Consider Different Policy Options – Another possible way to lower your auto insurance premium is to change your coverage options. By raising your deductible from say $500 to $1,000, you can significantly reduce the cost of your policy. It is important to remember that if you do this and get into an accident, that deductible comes out of your pocket.
Another coverage change you can make is to eliminate your collision coverage, especially if you are driving an older vehicle this may be an option. As with anything, is important to talk with your insurance company to understand how these changes or any upgrades or actions will affect you with your current plan and coverage. By doing the right research and asking the right questions, you will save money and get exactly the coverage you need.
Having the right car insurance is so important to making sure you stay safe and keep moving on the roads. Especially in bigger cities like Chicago, you can never be too safe. Finding the best car insurance companies in your area is the best way to keep yourself covered and protected on the roads no matter what you might run into.
Our customer service team is here to help with any and all of your insurance coverage needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
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If you’d like to take a look at more blogs about proper car maintenance, we have a bevy of them on our website. Consider taking a peek at these before you leave: