Reader’s Question:

How does one go about looking for affordable auto insurance policies? I am a novice when it comes to insurance and any information would be much appreciated by this single-working mom here in Iowa. Thanks!

Dulce

Des Moines, IA

As the saying goes “there are many ways to skin a cat”, the same goes when looking for affordable auto insurance policies. There are many approaches and so called “rule-of-thumb’s” that auto insurance experts (both actual ones and self-proclaimed ones) would tell you about. Although we are humble enough to admit we don’t know everything about auto insurance, we are confident, however, that the following tips & information would guide you best in getting an affordable policy.

1. Know what you need. Like most states, Iowa will have minimum requirements on liability coverage in thousands of dollars for injuries per person, per accident as well as for property damage (20/40/15) respectively. This would guide you in choosing the right coverage amount you need.

2. Use the Web. There are many auto insurance portals Online that provides quick and easy access to affordable auto insurance rates. In fact, most of these portals would also compare rates across many kinds of auto insurance carriers. Making it easy for you to narrow down your list of choices.

3. See if you qualify for discounts or incentives. Providers might or might not tell you this but you can actually get discounts with the ff: Completing defensive driving classes, installing additional safety devices and anti-theft locks, having a low-mileage driving average annually, and having a clean driving record for the past three to five years. You can also increase your deductible to lower premiums, agree on an annual payment scheme which usually costs less or get your other insurance needs under one provider.

Reader’s Question:

I’m fed up with having to throw a great amount of money on my auto insurance coverage here in Mississippi! isn’t there any way I can get more affordable auto insurance rates?

Fatuma

Biloxi, MS

Yes, there are many ways to get savings and make for a more affordable auto insurance coverage. You just have to know what to look for and where. Below are information that would be very useful in lowering your auto insurance expenses there in Mississippi.

First, evaluate the kind of policy that you have. What kinds of auto insurance coverage does your policy have? What you would really need to carry in the long run are coverage for liability (in case you cause injury to people or damage to property in a car accident), Collision Coverage (which pays for damages to your vehicle in a collision) and Comprehensive (which protects you from loss of your vehicle to other factors like theft or natural disasters). Cutting what you probably won’t need or don’t expect to use on your policy (MedPay would just be redundant if you already have good health insurance) can save you a lot of money annually.

Net look for available discounts and incentives that you are eligible for. This would include professional discounts (Military, Doctor’s, Teacher’s etc.), Mature-driver discounts, Good-driver discounts, Good-student discounts as well as incentives for taking safety driving classes and for installing additional safety mechanisms your car.

You might want to consider a higher deductible on your policy ($500 or about $1000) since doing so will definitely make for more affordable auto insurance premiums. If you do have to switch carriers, make sure you use auto insurance portals Online (like this one) to help you determine the best rates available.

Reader’s Question:

I need help! I think my insurance costs here in New York are absurd! How do I start looking for a more affordable auto insurance policy?

Candace

Buffalo, NY

You’re not alone, a lot of people today are feeling the pinch of the bad economy and on top of that, car insurance costs! But there are still ways to get affordable auto insurance (or make your current one there in New York more affordable), you just need the right kind of tips and information, here’s how:

1. Consider raising your insurance policy’s deductible. This saves money by lowering the premiums you pay regularly.
2. Now is not the best time to get traffic tickets and violations, so unless you want bloated rates be extra cautious while on the road.
3. Look for discounts that you qualify for, don’t expect all insurance companies to be proactive in helping you get cheap auto insurance. Discounts include: good driver discount (clean driving record for the past three to five years), good student discounts, membership discounts, professional discounts, completing defensive driving or accident prevention courses as well as installing anti-theft locks and additional air bags.

Sometimes your provider can only lower your premiums so much and the best way to get affordable automobile insurance is to switch carriers, so if you must, here are some additional tips:

1. Use auto insurance portals like this web page. You can get auto insurance quotes and compare offers from man different providers easily.
2. Don’t hesitate to negotiate your rates (especially if you have a great driving record), give them a hint of what their competition is offering you, you’d be surprised at how far you can go.

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