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5 Tips to Get a Cheap Car Insurance Rate

Reader’s Question:

How do I find affordable car insurance rates here in D.C.? Any tips for me?

Molly

Washington D.C.

Not crazy with the idea of spending hours on the phone with different car insurance agents? Don’t have the will to hire a broker either? Here are some tips to help you get a policy with an affordable car insurance rate:

1. Comparison Shop Online – Use car insurance quote comparison portals (like this website). Not only can you get a free quote check of the latest rates, you can also instantly compare these offers coming from a wide-variety of insures today. This will maximize your chances of getting the best policy in the market.

2. Go with a Bigger Deductible – Setting your policy’s deductible to a higher amount will also reduce the amount of rates/premiums you will pay. Just don’t raise it too high or you might end up unable to file a claim once you need to.

3. Know Car Insurance Ratings – Go to Moody’s, A.M. Best’s, or J.D. Powers’ website. These independent rating agencies offer a wealth of vital information that tells you which insurers have the best scores, prices, and ratings in your area.

4. Get an Annual Payment Plan – Ask your car insurer if they offer a yearly payment plan, since most companies who do tend to give incentives for it (either a discount or reduced car insurance rate.)

5. Discounts – Finally, know what car insurance discounts you’re eligible for. A quick look at the insurers’ homepage can tell you about the discount options available (as well as how to be eligible for them). Discounts can be a really big help in reducing your total insurance bills.