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  1. #1

    How to find the best rate on auto insurance?

    Are you looking ways to save money on auto insurance? Here are some tips for finding the best possible rates;



    Shop around for different companies and see what they have to offer.

    Ask about discounts available to you.

    Have a good credit score to help provide yourself with lower rates.

    Older cars will not cost as much for coverage.

    Increase your deductible, especially if you are driving an older model vehicle.
    Need a Card to Build/Rebuild Your Credit With? Read This >> Best Credit Cards For Building Your Credit

  2. How to find the best rate on auto insurance?
  3. #2
    Registered User Enthusiast
    Posts
    78
    Years ago, credit scores did not affect car rates. My car insurance checks these now and I am glad my credit score is not bad, although it could be better. Another thing which helps your car insurance rates is careful driving which I think weighs fairly heavy when determining rates.

  4. #3
    Registered User Junior Member
    Posts
    40
    If you find a mom and pop insurance agency, some of them do not go by credit scoring. Some of the smaller towns have insurance agents who are on a more personal level. If you have done business with them for a period of time, the skip this kind of stuff.

  5. #4
    Registered User Enthusiast
    Posts
    81
    Keep a clean driving record is a big part of it. And now keeping a higher credit score.

  6. #5
    Registered User Semi Pro Member
    Posts
    414
    Another way is to tell them what your daily commuting time is, how far, along with your credit history. a lapse in your policy can also affect. I thought I was in good hands (no pun from that TV commercial) with one insurance company and figured my rate would go down after renewing with them for a 3rd year. I was not that fortunate as they said the policy stays the same.

  7. #6
    Quote Originally Posted by dodge213 View Post
    Another way is to tell them what your daily commuting time is, how far, along with your credit history. a lapse in your policy can also affect. I thought I was in good hands (no pun from that TV commercial) with one insurance company and figured my rate would go down after renewing with them for a 3rd year. I was not that fortunate as they said the policy stays the same.
    Hello dodge213,

    Welcome to the credit forums! It is nice to have you here! Thanks for the valuable information! Commuting time can affect your rates. Our insurance sends us a form every year to ask for our mileage. If we stay in the lower ranges, it helps keep our rates lower.
    Need a Card to Build/Rebuild Your Credit With? Read This >> Best Credit Cards For Building Your Credit

  8. #7
    Registered User Enthusiast
    Posts
    51
    Good morning everyone,

    Trying to find the best auto insurance rate can make a huge difference for me.

    I did not realize the importance of informing an insurer about commute time. Most discussions always focus on how many people drive within the household.

    I'll keep this forum post handy.

  9. #8
    Registered User Enthusiast
    Posts
    83
    Quote Originally Posted by garyol View Post
    Good morning everyone,

    Trying to find the best auto insurance rate can make a huge difference for me.

    I did not realize the importance of informing an insurer about commute time. Most discussions always focus on how many people drive within the household.

    I'll keep this forum post handy.
    Hello and welcome to the credit forums! Nice to meet you and hope you find the info here useful!

  10. #9
    Registered User Enthusiast
    Posts
    97
    I have always had a hard time getting good insurance rates through the years. I do however get a discount for having a car insurance policy along with a home owners policy. It does save me some money through the years. I also have taken a defensive driving course which has given me a period of time at a lower rate.

  11. #10
    Registered User Pro Member
    Posts
    572
    Yes, an additional policy with them (homeowners or renters) certainly helps. Even your profession can too. example, your day job is very stressful so you are more susceptible to get into an accident. While, if you are a scientist they figure you're very conservative and the likelihood is very small.

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