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By Jennifer Woods

Tips for getting the most affordable car insurance

If you are like a lot of people, you want to make sure that you are not overpaying for things such as your car insurance. Therefore, you need to learn about the various ways you can avoid going broke paying for basic coverage for your vehicle.

Shop around

You need to shop around in order to get the best idea of what is out there. Never make the mistake of assuming that the amount that one car insurance company charges you is going to be the amount that all of the other companies will charge you.

Three ways you can shop around for car insurance include the following:

  • Hire an insurance broker to find you the best deal.
  • Call each individual car insurance company in your area and ask for quotes.
  • Complete an online form that will result in your receiving multiple quotes all at once.

Of course, one of the first things that you are naturally going to look at is the cost of the yearly or twice-yearly premium. While this is understandable, you need to make sure that you are comparing more than just that.

Consider the coverage

Sure, one car insurance company might be a lot cheaper than the others, but are they offering you the best coverage? When you are calling around or looking online for car insurance quotes, make sure that you are very clear in regard to the type of coverage you want to compare.

Some of the things that should be included in your considerations include the annual deductible, medical coverage, towing packages, car rental reimbursement, and uninsured driver coverage.

Look for discounts

It is important to make sure that you are paying extra attention to the car insurance companies that are able to offer you discounts for various things in order to bring down the cost of the coverage.

Some of the available discounts may include things such as multi-policy discounts. This is where you will receive a discount off of your premium in exchange for also using their company for your home insurance, health insurance, life insurance, or mortgage insurance.

You can also get some discounts for having certain safety features in your vehicle. Some of the safety features may include steering wheel locks, alarms, air bags, and anti-lock brakes.

Ask your friends for referrals

When all else fails, you can turn to your friends and family to ask them about the car insurance companies that they use.

Ask whether they are happy with their coverage and if all of their claims are handled in a timely manner. Also, be sure to ask if they have had problems with increases in premiums for unknown reasons and how well the company handles any questions that they have.

With all of these things in mind, you should now have a much easier time making sure that you are going to be able to find the most affordable auto insurance coverage for your needs. Before you know it, you will be driving on the road – fully insured, without worrying about going broke.

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