Low cost auto insurance is a relative term because it really begins with defining what coverage you want for your car. If you want to pay the absolute lowest for car insurance, then you need to look at what your state requires by law for minimum coverage. In addition, you will need to have your car paid off because minimum coverage is not full coverage, and full coverage is what lenders require to protect the value of the collateral. For this reason, you must first determine what coverage you want for your car, or at least what your lender requires. Once you have done this, then you can begin searching for the lowest cost policy available.
Get that deductible up to the maximum
The higher your deductible is for the comprehensive portion of your policy, the lower the premiums will be. The down side is that if you ever get into an accident and the fault is yours, you will have to pay a large portion of the bill to get your car fixed, but if you are a good driver, then you are betting on yourself, and perhaps this is a good bet.
Take advantage of discounts
There are many discounts available for drivers. One example is a good driver discount. If you have not had an accident in a certain period, then you can often get a discount. Non-smokers often get a discount on their policies, and there are various ways to get discounts related to your car. For example, if you park your car in a garage versus outdoors, you can get a discount. In addition, there are certain anti-theft devices that can bring down the cost of your insurance as well. Lowering the risk of theft or damage from the elements will be reflected as lower premiums.
Finally, the best way to get the lowest policy premium is simply to get several quotations. The best car insurance rates Sacramento will be found by getting many quotes. Remember always to quote the same requirements for your insurance needs, so you will be comparing apples to apples.
