Car Insurance

How to Get the Best Car Insurance Rates

Car insurance is something that everyone needs, but many people hate seeing when it comes to the quotes that you get, let alone the prices you may have to pay for it. Nevertheless, if you fail to get insurance on your vehicle, you can be in a world of trouble if you’re ever in an accident (even if you’re not liable), as well as have problems and you can’t even get it insured. What’s important, though, is that you’re not spending more than you need to in order to get the best rates possible. We’ll tell you how in this guide.

1. Don’t Believe all the Advertising Hype

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Believe it or not, some of those companies that may state that they have the cheapest rates that have all of the commercials online, and even on television, they spend tons of money on their advertising. This doesn’t mean that you’re going to get the lowest rates with them.

2. Consider Local Insurance

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Believe it or not, sometimes local insurance companies can give you better rates than anything you can find elsewhere. People know that there are certain companies that have the majority of customers, but this also means that they have a lot of unsatisfied customers too, and sometimes higher ratings than those that are in your local area. By choosing a local company, you can get better rates, and sometimes even better coverage premiums that can get you more in case of an accident.

Sometimes, fighting your own insurance company for full and fair compensation can be as difficult and frustrating as fighting the other driver’s auto insurance says attorneys at Eichen Crutchlow Zaslow, LLP.

3. Don’t Forget the Discounts

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More than just having coupons, you want to look into different discounts that might apply to you at any insurance office. You can often lower your insurance rates by having more than one car, replacing your car on record with one that has higher mileage and a smaller engine, having multiple cars on the same policy (you may pay a higher monthly rate, but it’s still less on each vehicle), and you might even be able to get discounts if you pay the whole six-month premium on the first month ahead of time, rather than making monthly payments. Also, don’t forget about a veteran or organizational discounts that you can sometimes get. Believe it or not, some people can actually get discounts just from places like their cell phone carriers for being a loyal customer.

4. Make Payments On Time Every Time

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This is very important and can significantly lower your insurance rates over time. Not only that, but it can greatly help with your credit report as well in the long run, especially if you’ve had the same insurance plan in place for 12 months.


While this guide doesn’t have everything that you can possibly do when it comes to getting lower insurance rates, it can definitely get you some big savings in the long run, and on a monthly basis. While you may not want to go through some of the major insurance retailers out there, some of them are truly legit and your agent at can help you sort that out. Just do your homework on every little detail and you’ll be all set!

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