Tampa, FL (PRWEB) December 23, 2009
There are several ways to get cheap car insurance rates. First, after looking over current insurance policies decide what you feel must not be compromised and what can be altered. Then check with several different insurance agencies. Be sure to use the same limits, deductions and coverage with each company. This will give you a well-rounded look at which company may offer insurance at the lowest price available to you.
Then there are things that can be changed. Depending on your state's insurance requirements adjustments may be made to various payouts. For example, you may set the limit to a lower amount which is payable for personal injury. If your automobile is paid for you may discontinue full coverage and opt to carry only liability and uninsured motorist. Deductibles set at higher rates will yield lower monthly rates. However, be careful when making adjustments to deductibles as they need to be set at the highest amount possible, but still be reachable in case you are involved in an accident.
If you no longer have teenagers or young adults living in your household you may choose an option that many do not know is available. Drivers under 25 can be excluded from driving your car. Most insurance companies offer lower rates if they are assured younger drivers will not be driving an automobile they are insuring. However, if you choose this option, you must make sure younger drivers do not drive the insured vehicle.
If it is possible, pay the entire premium all at one time. Most companies charge small fees when you pay the premium on a month by month basis.
The simplest way to save on auto insurance is to drive safely. If you can remain ticket free rates usually decrease. Nothing speaks as loudly to an insurance company as a clean driving record.
For more ways to save on your car insurance visit Cheap Car Insurance today.