8 Tips to Save on Your Automobile Insurance Plan

Cheap auto insurance does not always come easily but there are ways to save that will bring down the cost of your auto insurance. Neighbors Insurance Agency, as one of the best companies of car insurance Miami has to offer, always recommends following these eight tips to get the best deals on car insurance. Contact us to learn more about […]

Cheap auto insurance does not always come easily but there are ways to save that will bring down the cost of your auto insurance. Neighbors Insurance Agency, as one of the best companies of car insurance Miami has to offer, always recommends following these eight tips to get the best deals on car insurance. Contact us to learn more about how to get cheap auto insurance for yourself.

1) Check Discounts

The easiest way to pay less for your insurance is to simply make sure that you are getting all available discounts. Many car insurance agencies will offer a number of discounts. The discount may not seem like much but it can make a real difference in the amount that you are paying down the line. Be certain to ask if they offer discounts for students who have good grades, new drivers who have taken driver’s education courses, for particular professions or members of affinity groups, and for having anti-theft and other safety equipment.

2) More Than One Policy

For those insurance companies that provide car insurance as well as homeowners insurance and other policies, they will often give you a great discount for purchasing all of your policies through them. Make sure to compare the costs of paying all your premiums with one insurer and paying premiums to all different insurers.

3) Keep a Good Credit Score

Sometimes, insurance companies will use your credit score as a factor when setting your premiums and this may be to your advantage as a consumer if your credit score is good. However, if there is something wrong with your credit score, be sure to speak to your insurance company about what is affecting it.

4) Pick Your Car with Insurance in Mind

When your insurance company is drawing up your premium, they will take into consideration how much it will cost to repair the damage on that model. That is why it is so important that you consider the model of car that you purchase when you are purchasing it so that you can get the right price for insurance. When you are selecting a new car with your insurance company, ask them for quotes for each potential model so that you may select the right one.

5) Review Your Coverage

Liability coverage is made to pay for all of the bodily injury and property damage that you may incur in an accident. If you set this coverage to the state minimum, you may be hurting yourself more down the line as a costly claim can put your savings at risk. You should also consider taking off rental-reimbursement coverage if you have another vehicle you can use and don’t opt for roadside assistance if it is part of your car’s warranty.

6) Perform an Annual Rate Check

You may have the best deal possible at your current insurer—especially if you have not had any accidents—however, it does not hurt to form a relationship with an independent agent who can check rates for you at a variety of companies and find out which one is best.

7) Manage Your Teenage Drivers

When you add a teenage driver to your policy, your rates can spike up. Be certain to make your child receive safe driving courses and tell your insurance company if your child is not able to drive or does not have a car so you do not get faulted automatically.

8) Compare All the Car Insurance Miami Has to Offer

With the number of different insurance options that you have in Miami, it may seem overwhelming to select just one. Make sure to compare your rates and ask for quotes from a number of insurance agencies before you make a decision.

Contact Us

If you are looking for the best car insurance Miami has to offer, look no further than Neighbors Insurance Agency. We are more than just cheap auto insurance. We are a company devoted to providing you with high-quality service and great prices. Contact us to learn more.