Step 1: You Need To Lower Your Risk
Risk is affected by various factors, including gender, age, location, crime rate and driving habits. While you can’t change your gender or your age and moving to a different state seems overkill for car insurance, there are things you can do to reduce your risk. Install security systems in your car. Make sure that your seatbelts, anti-lock brakes and airbags are fully functional. Park your car in your garage, in a driveway or a secured parking lot. Cut down on your mileage as much as you can. The less time you spend on the road with your car, the less risk you entail. The less risk you entail, the more likely you’ll end up with under 100 car insurance.
Step 2: Only Shop On The Best Comparison Sites
Comparison websites are sprouting like mushrooms and it can be hard to determine which ones provide the most accurate and reliable results. Moneysupermarket, GoCompare, BeatThatQuote and MoneyExpert are some of the top comparison sites. They should be able to provide you a decent and clear benchmark for the cash back that you will be using for step 3.
If you are not happy with the quotes you’ve obtained, there are other websites waiting for your attention: Confused, Quotezone, CompareTM and USwitch.
Once you’ve spotted the cheapest rate or a deal that’s right for you, check and check. Visit the provider’s website to check if the quote is accurate. Some websites speed up their comparisons by making assumptions on the quote values. Also, many insurance providers change their average quotes depending on the time of year, how business is for them or how the state regulates insurance costs.
Check whether the policy’s coverage is suitable for you. While you’re doing that you can play around with the details of the policy to see if you can shear the price down even further. For example, see if there is any excess and remove it, or see if factoring in additional drivers cuts the cost. Prices change often. About a month before renewal, run all of your quotes and save them. Other providers don’t change their prices until 28 days are up. As you get closer to your renewal date, run your quotes again and see if they’re any cheaper than the ones you saved. If not, revert back to your saved quote.
These two steps alone should help shear down your insurance costs and perhaps keep your auto insurance under 100.
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