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How Can I Lower My Auto Insurance Bill?

For drivers in California, lowering your car insurance bill can go a long way. There are a lot of different auto insurance companies out there with a variety of coverage plans to choose from, but how do you know you are getting the best deal? To review your current plan or find better ways to lower your auto insurance bill, there are some great options to choose from. These are some of the most common ways you may be able to reduce costs in your insurance.

Tips to Lower Car Insurance Cost

Get Higher Deductibles
If you raise your deductible for your car insurance, this can help lower your insurance bill, as long as you are okay with the higher deductible you would pay if you needed to make a claim.

Ask for New Discounts
Insurance companies can change their discounts from time to time. Even though you may not have had a discount when you purchased the insurance, you may now qualify for more discounts. It never hurts to ask.

Consider Insurance Costs When Car Shopping
If you are thinking of buying a new car, consider factoring in the insurance cost differences from 1 car to another. Typically, safer cars cost less to insure.

Switch to Different Billing Cycle
Some insurance providers give you the option to pay quarterly, every 6 months or yearly. This can give you a lower payment than month-to-month billing if your provider adds on fees for paying monthly.

Check if You Need All the Coverage Options Your Plan Has
Even though you purchased all of the add-ons for your car insurance at the time, situations can change, and you may not need this coverage anymore. For example, if you have an older vehicle, it is possible to remove collision coverage that can pay for repairs to the car, since you may want to replace the car or sell it soon. You can also consider removing roadside assistance if you already have it from a different provider such as triple A.

Bundle Different Insurance Plans with the Same Company
If you have various insurance plans with multiple companies, you may want to consider moving all of your insurance plans to one insurance company. Many companies offer discounts if you bundle multiple insurance plans with them, such as auto, home, and life insurance.

For more info on how to get a better car insurance rate, call our auto insurance experts now at 877-945-7233.