There are actually many ways to get cheap car insurance rate that you have yet to discover. I am going to reveal some of the secrets here, so read on if you are looking for ways to reduce the cost of your car insurance.
As always, there are people who will advise you to drive carefully. This is because by driving carefully, it will benefit you in many aspects. If you still haven't realize it, constant speeding and reckless driving will put you at a much higher risk of getting yourself in car accidents and hurting yourself and others. They will also eventually lead you to pay a very high car insurance rate as the traffic citations mount. Therefore, slow down your speed and drive carefully to prevent accidents form happening. You will then be able to secure cheap car insurance rate.
The type of car that you have will also determine your chance of getting cheap auto insurance rate. If you have a car which can be considered as old, consider dropping collision coverage on your car. Collision coverage is the one that pays to repair your car if it meets with accidents. Usually, old cars have very low value and you risk paying more insurance than what you really need by taking up collision coverage. Drop this coverage and you will get cheaper car insurance rate. However, if you decide to take up this method to get cheap car insurance rate, you will most likely need to buy another car if your car is ruined in an accident. Check the value of your car and decide it yourself whether to drop this part of coverage.
Next, you can also try to reduce your mileage to get cheap auto insurance rate. You can reduce your car's mileage drastically by carpooling with your friends or taking public transport. Ask your insurance company if they have discounts for drivers who drive low mileage and you will find most of them do.
Besides that, you should also know your rate is actually affected by your credit rating. It is the best thing if you can keep your credit rating as high as you can. More insurance companies are using your credit factor to determine your overall amount of your car insurance rate. Try to keep any errors that come up off your credit record and you should also pay your bills on time. All these will not only help you to maintain a good credit record but also let you have higher chances to secure cheap car insurance rate.
Finally, insurance companies normally cut down your rate when you purchase more than one insurance policy from them. For example, if you haven't got any policy for your home yet, get your homeowners policy from the same company. Sometimes, these discounts can help to reduce your car insurance rate significantly.