Tips on getting cheap car insurance without the hassle

The Smart Way of Getting Cheap Car Insurance

Unlike the price of gas, you can work around the cost of auto insurance for your car. Here's an easy way to get cheap car insurance.

1. Many insurance companies will take into consideration any defensive driving courses you may have taken. Apart from training you to drive safer, you'll also reduce the potential risk liability your insurance provider has to factor into your insurance plan. To find out if you can get a discount from your insurance company based on this training, ask your local insurance commissioner or a representative from the insurance company you're considering signing up with.

2. Another way of getting a discount on car insurance is by combining car insurance with a home owner/tenant policy. For most insurance companies, this will score you a good discount rate (as high as 20 percent) if you purchase both your car insurance and home insurance policy from the same company.

3. Insurance companies use your credit record to decide your premiums; a clean credit card history will significantly increase your chances of getting cheap car insurance. So if you plan to apply for low-cost car insurance, go through the numbers on your credit history. If it doesn’t look so good, you’d be better off approaching companies that won't inspect your credit history while determining your premiums.

4. If you won't be driving for a while, inform your insurance provider, and ask for a reduction on the additional collision coverage. If you're not driving the car, there's no risk of you getting into an accident, saving the company - and you - the added cost of collision coverage.

5. The miles you drive to work is an important detail your car insurance company uses while deciding your monthly premium. It does so by assigning your daily mileage to a specific category, and thus different rates. Lower drive-to-work miles can seriously cut your insurance premium cost and help you get cheap car insurance.