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July 11, 2014

Cheap Auto Insurance

Couple in ConvertibleIn some circumstances, whether you can get cheap insurance is out of your control. Men tend to pay more than women. Middle-aged drivers tend to pay less than teenagers. But no matter what, there are things you can do to keep your prices as low as possible.

Here’s what you can do to keep insurance affordable in the long term:

1.     Keep a clean driving history. People who have accidents and tickets tend to pay more for coverage.

2.     Buy a car with reasonable insurance costs. Certain cars are cheaper to insure. Before you buy your next car, get some quotes to see how it’ll affect your premiums.

3.     Pay your bills on time. Insurers don’t like to see a history of policy cancellations for not paying your premiums. Keeping up on your payments now will help you get lower prices in the future. Also, maintaining good credit can help you keep prices low.

Remember to always:

Make sure you are getting it quoted with an agency who compares multiple carriers

Get all the discounts you can.

Make smart coverage decisions.

Select an Agency that will compare quotes from multiple companies

One of the biggest pricing factors is which company you buy from. All companies ask for the same basic information when you apply. But they use that information in different ways. As a result, you could pay hundreds less if you find the right company.

Even if you have tickets and accidents on your record, you can find a company that will give you a lower rate. In the end, you need to find the insurer that’s the best financial fit for you. You can’t assume the first insurer you get a quote from is the cheapest.

ACF Insurance will do the shopping for you to compare quotes and find the best coverage at the best price.

Get all the discounts you can

Some discounts are automatic. You don’t have to do anything, and your insurer will still apply them. But for other discounts, you need to let your insurer know that you qualify.

The following discounts usually kick in automatically if you qualify. But you can still check with your insurer to make sure you’re getting the savings you deserve.

·         Good driver

·         Multicar

·         Multi-policy/multiline

·         Pay in full

·         Electronic Draft

·         Homeowner

To get the following discounts, you may need to let your insurer know that you qualify.

·         Good student

·         Antitheft

·         Defensive driving course

·         Association membership (e.g.: AARP, alumni associations)

·         College student away from home

For more information about Raleigh car insurance, give ACF Insurance a call at 919-878-7786.

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