What's Free About Car Insurance? Perks You Didn't Know

Free car insurance may rightfully seem like something that does not exist, but finding ways to make your car insurance bills shrink can definitely become a feasible reality. There are plenty of perks and hidden ways to get discounts on your car insurance; you just need to know where to look and what to look for.

Shop Around

The chance of randomly stumbling upon discount car insurance is very small, but if you do your shopping well your chance of finding discounts that you qualify for will greatly increase.  Talk to several different companies and get policy quotes.  Do not settle for the first quote you receive.  Ask questions in order to ensure that you clearly understand each policy and its parameters.  You are trying to get as close as you can to free car insurance so don’t be shy when it comes to being nosy about different plans and discounts specifically available to you.

Factors in Your Control

There are some things that you can do and have control of which can automatically lower your car insurance payments.These things include: the type of car you own, the safety and anti-theft devices on your car, the number of accidents you have been involved in, the number of traffic or speeding tickets you have received, your credit history, and where you live.  Another way to lower your payments is to increase the deductible on your car insurance. This means you will need to pay more out of pocket for repairs but your monthly payments will drop.

Discounts You Can Search For

Remember, there is no such thing as free car insurance, but discount car insurance is a real possibility! Here are some examples of discounts that can help you save money on your car insurance:
  • If you are a homeowner or renter, try to find an insurance company that offers both auto and homeowners/renters insurance.  Having one company cover both of these policies will typically lead to a discount on one or both.
  • If you have a low-risk profession in the eyes of the insurance company, you may qualify for a discount.  Also, teachers often get special discounts, too.
  • Are you a member of AAA?  Members of AAA or other professional organizations are often eligible for auto insurance discounts.
  • If you are insuring a student, some companies offer discounts for students who make good grades and display excellence in school.
  • If you insure more than one car, ask if the company offers a family plan or a discount for insuring multiple cars.
  • Try to eliminate billing or processing fees by paying your bill electronically.
Other Things to Consider

You can look for an auto insurance provider in person, on the phone, or even online.  Sometimes the fastest way to get a quote is online, but it may be harder to ask about all of the discounts if you are doing your research solely over the Web.  Still, the Internet provides an additional great resource of information on finding quotes and can help you in your quest of cheaper car insurance.

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