Cheaper General Auto Insurance – Now

You have a car so you must have general auto insurance; it’s a legal requirement in most states and a smart thing to do. Here are my 5 top tips to quickly lower your premiums.

1. Increase Your Deductibles
2. Install a Good Anti-Theft Device
3. Drive Less
4. Only Pay For What You Need
5. Shop Around

Increase Your Deductibles

Take some of the risk. Let the insurance company pay for the big items and you self-insure for the small ones. You will save a lot of money but it’s still a risk; find the balance point between paying less on premiums and having to fix small scratches and dents yourself. Take on as much as you can manage, say $1000.

Install A Good Anti-Theft Device

Making your car harder to steal is good for the insurance company so they’ll reward you with a lower premium - immediately. Reduce their risk of having to payout and ask for a discount.

Drive Less

If you spend less time on the road you are less likely to have an accident. Car pool or catch the bus to work. Do this and then tell your insurance company – if they don’t give you a discount take your general auto insurance business elsewhere.

Only Pay For What You Need

Do you really need collision & comprehensive cover? If your car is new then you need it. However, if your car is getting old and you wouldn’t bother repairing it then don’t drop this cover from your policy.

Shop Around

There are lots of companies who want your business. Get general auto insurance quotes from an agent or directly from the insurance companies – you can do this over the phone or via the Internet. Compare the policies, what’s included, how much is covered, and then compare the premiums.

What Is General Auto Insurance