I live in Detroit. Yep, the car capital of the world. It is also the place you can’t be surprised to find a stripped car in the back alley. Needless to say, our car insurance can be insanely high. Unfair when you think about how hard the city is working to bounce back but the cost of living is stopping progress. When we needed to make cuts to our expenses I set out to find the best auto insurance quotes.
The biggest way you can get the best auto insurance quotes
I hate to be the one to say it as I know not everyone can afford to pay cash for a car but, the best way you will save money on car insurance is to buy a car outright or pay off the one you have already. Ditching full coverage can be an amazing way to watch your car insurance price drop by as much as half. Even if you can not pay in full many of the below tips will help you save money and get the best auto insurance quotes
Don’t forget to check all of the biggest car insurance places like Geico and Progressive. These companies will often offer huge discounts. Due to their size, they can afford said discounts. Don’t ignore the small local companies either because they may have smaller overhead allowing them to give you a discount. Key lesson: Shop around to get the best car insurance quotes.
Look for discounts
Many companies will charge you less for having medical insurance, car security, and even for using trackers they send you to measure your driving skills. As you get your car insurance quote select these offers to find the best price.
Don’t get more insurance than you need for the best price
If your lucky enough to have your car paid in full you can save more by downgrading to the state minimum. Cut out anything you do not need and select the highest possible deductible for the lowest monthly cost. Unless your car is worth money it is often cheaper to replace your car than pay high insurance to have a lower deductible for repairs. Another factor is that if you replace rather than make a claim your insurance bill will NOT skyrocket for years to come saving you more money.