5 Hacks to Find Cheap Liability Insurance for Your Vehicle

By March 12, 2018AUTO INSURANCE

The Best Cheap Liability Insurance

These days car insurance is an essential part of life for everyone. Whether your state requires it or whether you can’t afford $1500 to replace a small piece of plastic or both, there are many more reasons why insurance is important. It is also the only way to protect yourself in case of an accident. That said, we don’t want to pay out the nose for coverage so we have put together for you five steps to ensure you find cheap liability insurance so you can drive happily and not break your wallet.


1)  Don’t Be Fooled by Commercials

Insurance companies spend millions of dollars on ad campaigns to convince you that their insurance is your best option. That’s not to say that one of them may be the cheapest for you, but a lot of factors determine your insurance quote. From how many accidents you have had, to your age, and even to your driving record. Insurance will vary by price depending on your history. Don’t be surprised if you have a high premium; commercials are there to make you think you have the best deal. Moreover, don’t jump the gun on the first insurance you find. Shop around and see what kind of prices you are getting before you make any commitments.


2) Bundle

For most of us, auto insurance isn’t that only thing we are looking to have covered. Home, office, boat, fire are just a few additional examples. Just as you can get discounts by combining your cable, Internet, and phone services under one provider so too can you with insurance. Insurance companies want to be your go-to when it comes to protection and this can be a significant advantage. Not only do you save big bucks on your premium, but you also save on your deductible. This is why it makes sense to bundle insurance. The bonus is that it makes paying your bills easier too!


3) Check For Discounts

There are more ways than bundling to get a discount. Bundling is just the beginning, but you would be surprised at the many other things that can help you get a better deal. Here are just a few examples:

– Keep your driving record clean

– Use one policy to insure multiple cars

– Pay an annual or six-month cost at one time

– Be a member of specific professional groups and organizations

– Have a vehicle with added security features

There are many more hidden discounts on car insurance so just make sure you ask your insurance broker how to get the most out of your coverage.

4) Have Good Credit

Believe it or not, there is a broad connection between insurance quotes and credit. Many companies claim that there is a relationship between people with poor credit and filing claims. It allows them to see how likely the person is of filing an insurance claim in the future. As a result, people with bad credit score can pay extra hundreds of dollars per year even if they are safe and steady drivers. So be sure to pay your bills on time and keep track of your credit score.

5) Choose Your Car Wisely

When you are selecting a vehicle— used or new—-there are a lot of factors that you pay attention to. We look at gas mileage, how well it drives, added features and so on. But you certain vehicles, in particular, have lower insurance costs as well. These tend to be small SUVs or hatchbacks like the Subaru Outback, Honda CR-V, and the Jeep Cherokee which tend to be a little tougher than other vehicles and also driven more carefully. Keep in mind that these premiums will tend to be a little lower, which will save you money in the long run.


Find the Right Insurance for You

Getting the perfect blend of coverage, but still, cheap liability insurance doesn’t have to be difficult. All you have to do is follow these easy steps, and you’ll be on your way to finding the perfect plan for you. Also, when you reevaluate your car insurance expense, you can see that there are many hidden fees that may be costing you more money. Make sure you get in touch with your insurance broker to get the best deal that makes sense to you!

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