How To Get Cheap Fast Car Insurance
Reader’s Question:
I am trying to manage my finances. Can you please give me any suggestion on how I can lower my car insurance rate? I drive a pretty fast car and the rates are super high!
Harold
Seattle WA
You can get cheap car insurance by simply following the tips below on how to save on your annual cost.
•You may want to drop your collision and comprehensive coverage on your automobile if you own an old car
•If your car insurance company offers low mileage discount, you may be able to get that if you drive less. You may be able to get less mileage by carpooling.
•Raising your deductible is another way of lowering your car insurance rates. Make sure you choose the highest deductible that is within your reach. Ultimately, this would lower your car insurance premium over the years.
•When it comes to driving, car insurance companies deem students below twenty five years of age as inexperienced and irresponsible on the road that is why they are given high auto insurance rates. This may be the case but still you can still get affordable auto insurance rate if know what to do. If you have a grade point average of B or higher in school, you may qualify for the good student discount that can save you up to 5% on your vehicle insurance cost. It is said that students who maintain good grades in school carried the same level of responsibility when it comes to operating vehicles on the road.
•The key to getting affordable auto insurance rate is to get a couple of car insurance quotes from various insurers. This is the surest way to get the best deal in the market. Not only will it save you time, you will also save tons of money by just shopping for quotes. Why? Because it will increase your chance of getting the best car insurance quotes if you compare prices from various companies through comparison websites. This is a great way where you can compare which car insurance companies offer the best discounts and car insurance rates in the market that suits your budget and needs.
Low Mileage Car Insurance Discounts?
The low mileage discount is one of the harder Florida auto insurance discount picks to achieve. The reason for this is because, in Florida, where the communities are more often broadly laid out than tightly packed together, having a car can be necessary. Coming from Houston myself, I can understand this. However, it is definitely possible to get the low mileage Florida auto insurance discount without giving up your mobility.
The number one way to get your yearly mileage under that five thousand mile mark is to start hitching rides with friends and co workers. I’ve been doing this a lot since my car recently broke down and have found that it’s easier than you think. And even though you might not be able to walk all the way to work, there are plenty of places that you can walk, such as the grocery store (if you’re just picking up a couple of things) or the convenient store. It may take a good twenty minutes to get there, but it’s cheap and healthy. I regularly walk to pick up things such as movies from the local Krogers and toilet paper. If you live in a safe area, this is a great option.
Another way is to take advantage of park and rides if you live near a city, and the general bus system if you live right in one. Park and rides are great for people who live out in the suburbs, because they allow you to drive your vehicle the short distance to them and then hop a bus for the rest of your commute.
Cheapest High Performance Car Insurance?
There is a myth going around that if you want to get the cheapest high performance car insurance, then you are way out of luck. This may seem true on the surface to many people who do not know how to work the system and get the best deals for themselves, but for anybody who is willing to pay attention and get their high performance car insurance policy the right way, a lot of money can be saved. How much money? My friend owns a Mazda Miata, which if you don’t know is a high performance roadster, and following this advice she managed to save almost two thousand dollars on her one year car insurance premium. No, that was not a typo. Two thousand dollars. So can you.
The first step is for you to realize that every little bit counts. So what if some effort will only end up saving you ten dollars a month on your auto insurance premium? That’s a hundred and twenty dollars a year. Most people would kill to save that much. You are not stooping, you are saving. If you don’t put any effort into this, then cheapest high performance auto insurance is going to be out of your reach.
But I’m making this sound hard. It isn’t.
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Let your baby catch a breather.
When you get a high performance car, it is often the mechanical love of your life. Many people dream about having such cars from the time when they were teenagers, and only realize their dreams later in life. So don’t overdo it. You can save a lot of money every year by just keeping your mileage low. Remember that in most areas, it is not necessary to drive your car all day every day to get where you need to go. You have options, even if you don’t have access to public transportation. I live in Houston, Texas, which is the epitome of urban sprawl, and considering that I live in the suburbs, most people would say that it is impossible to survive without a car. Granted, I do have a car, but I manage to survive hardly ever using it. How do I do it?
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Walk, ride, run.
My husband’s job is only five to ten minutes away from our apartment when he drives. He’s been trying to get more in shape, so we decided that one way that we could cut costs on gas and save money on our high performance auto insurance coverage is if he rode a bike to work. So we bought a bike for about fifty bucks and he rides to work most days unless he’s completely exhausted. It only takes him about twenty five minutes, and he gets the cardio and fresh air that he needs.
The original fifty dollar investment for the bike has paid us back several times over. So far, we have saved several hundred dollars just on gas and insurance.
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Take the bus.
A lot of people hate taking the bus for some reason, and I really don’t understand that. Yes, it’s true that some people on the bus are weird, and that it takes a long time. However, if you want to, then you can make it work. I like taking the bus places, because it gives me time to think, or read a book or the newspaper. In my busy life, stuff like that often gets left behind when it shouldn’t.
Even if you live in the suburbs, this can usually be done. What I do is drive my car to the park and ride, which is about five minutes away, and then take the bus to my destination, be it a job interview or a museum or a movie theater.
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Carpool!
Yeah, you like your privacy. But you get that when you come home from work, so it doesn’t hurt to share your commute with somebody else. Even if you haven’t carted your friends places or hitched a ride from someone since you were in high school, it isn’t as bad as you might think. Some insurance companies even offer discounts to people who take the bus or car pool, and you can save money by getting rides to work from co workers and then returning the favor every once in a while.
All of this comes down to cutting down your mileage use, which can be done by anybody. Even you.
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