Who doesn’t want to save money? CarInsurance.com wants to
show you how to get the cheapest car insurance: It’s our business.
The savings are in the details. Car insurance discounts come
when you’re different from the average driver. Sometimes it’s your profession,
sometimes it’s your grades, and sometimes it’s your long accident-free record.
But sometimes the cheapest car insurance simply means
avoiding the most common car insurance pitfalls.
Below you’ll find the five most common questions we get from
our readers about finding and keeping affordable car insurance. If you don’t
see the answer to your question here, search to see if we have already answered
your car insurance question. If not, you can ask your own question.
Top Money-Saving
Questions
What car insurance
discounts are available?
The
most widespread discounts are:
- Multi-vehicle:
You insure more than one vehicle with the same company.
- Multi-line: You
have homeowners and car insurance through the same company.
- Auto safety
features: You have airbags, anti-lock brakes or stability control in your
car.
- Anti-theft
devices: You have a car alarm, VIN-etched windows or GPS recovery system
such as Lojack or OnStar.
- Defensive driver
courses: You have recently taken a defensive driver course (only available
in certain states).
- Safe driver: You
have not had any accidents, tickets or claims in the last three to five
years (depending upon company guidelines).
- Renewal: You
have continuous insurance or renew your policy with the same carrier.
When
getting a quote for auto insurance on CarInsurance.com, we automatically
include standard vehicle features and ask if your vehicle has any optional
vehicle features, making it easy for you to get vehicle discounts and the
cheapest car insurance policy.
Not
all discounts are available with all auto insurance companies or in all states,
and discount eligibility rules can differ.
What auto insurance
discounts are available for teens?
There
are not many discounts available to teens, so it is particularly important for
this group of drivers to shop around to obtain affordable car insurance. The
most common discounts for young drivers are:
- Good student
discount: You are a full-time student and maintain a 3.0 (B) grade point
average or higher (only available with certain insurance companies).
- Defensive
driving, driver safety or driver’s education: Available in some states if
teens take these types of classes.
- Safe driver: You
have not had any accidents, tickets or claims in the last three to five
years (depending upon insurance company’s terms).
When
buying from CarInsurance.com, if you have young drivers listed we'll ask
questions to see if the teens qualify for these types of discounts and apply
them automatically if they are available so that you find the cheapest car
insurance policy.
Can I take insurance
off my car to save money? Will I pay more if I have a lapse in coverage?
Yes,
you can take car insurance off your vehicle if you are not going to be driving
it. This will of course save you money, but you will have to turn in your
plates and registration in most states.
It
will be harder to get cheap car insurance with a lapse in coverage. Most
insurance carriers will charge you more if you have not had continuous
coverage. There are some car insurance companies that require no lapse in
coverage to get the more affordable car insurance rates under their preferred
or standard driver rating.
When should I take
full insurance coverage off my older car to save money?
You
should stop carrying full coverage when your deductible and your physical
damage coverage’s premium starts to equal your vehicle's actual cash value.
If
you have a $500 deductible and your car's value is $3,000, then the most you
can recover in a total loss is $2,500. At this point, you need to decide if it
is worth it for you to pay the collision and comprehensive coverage portion of
your auto insurance.
If
the premium amount still makes economic sense to pay, then you should keep full
coverage, if not then to get the cheapest car insurance rates, drop full
coverage.
Can I take my child
off my policy if he or she moves out or goes off to college?
If
your child moves out and no longer uses your vehicles, then you can normally
take him or her off of your policy. Your car insurance company may require you
to prove that your child lives elsewhere or has an auto insurance policy of his
own.
If
your child has gone off to college, you may or may not be able to take them off
your policy to get cheap car insurance prices; it will depend upon the
guidelines of your insurer.
Many
car insurance companies will reduce your premiums if your child is going to
school more than 100 miles away from your home. If your child was a primary
driver on a car, see if your insurer will let you bump him or her down to an
occasional driver.
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