Four steps to get low cost auto insurance gather driver information contact different car insurance companies evaluate prices Change car insurance policy

First step to get low cost auto insurance is to gather all of your paperwork. You will need to have the year, make, model and VIN (vehicle identification number) of the car. In addition, you are required to have a driver’s license, an address and phone number, work information (such as name, address, mileage driven and type of work) and any financial (loan) details if there is a lien on the car. If you presently have car insurance, get a copy of the policy for comparison. Use pen and paper to make notes about the various companies.

Second step to get low cost auto insurance is to  Contact several different car insurance companies and evaluate prices. You can do this over the phone or use the Internet. Look in your phone book and find around 5 insurance agencies. Contact them about insurance rates. To get an accurate price comparison among the companies, be sure to include identical coverage and policy options. There are links to insurance comparison sites in Resources below. You can go online to these websites, fill in the necessary information and receive several insurance quotes within minutes. Compare the prices among the various companies to find the cheapest one that adequately covers your car insurance needs.

Third step to get low cost auto insurance is to  Make changes to your car insurance policy. There are ways to pay less for insurance by making a few modifications to your vehicle and policy. You can add theft devices to your car and also possibly lower the amount of mileage listed for annual use or “to work” to a smaller figure that will lower your overall cost. If you have any other type of insurance (vehicle, home or life), you may get a discount for insuring them all with the same company.

Fourth step to get low cost auto insurance is to Consider other adjustments to your car insurance. Ask about changing your coverage to lower amounts or get higher deductibles. If you are not required to carry specific coverage, you may lower or remove some parts of your policy. This could include towing (road side service), rental or collision, comprehensive, no-fault or other parts of your policy. Discuss the requirements of your particular state with an insurance agent to find out what options you have available.