How To Avoid Auto Insurance Price Spikes

Find out how to avoid auto insurance price spikes. Visit our webpage for free online car insurance quotes and tips on how to save money on car insurance.

  1. car-insurance-1Be a smart buyer and use quote comparison services. Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers.
  2. Increase the limit point of deductibles. Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.
  3. Get rid of unnecessary policies. Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelley’s Blue Book (
  4. Graduate defensive driving course. Insurance companies will provide a discount for those that complete an approved defensive driving course. Also, sometimes a driver can reduce the number of points he or she has on his or her license by taking a defensive driving, accident prevention or other course. Ask your agent/insurance company about this discount.
  5. Ask for low mileage discount. Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.
  6. Ask for all available discounts. Ask the company for a list with their discounts and check for how many you qualify for.

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