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Ways to Lower Your Car Insurance Rate

These are the most effective ways to lower your car insurance rate on any policy.

• Increase your deductible to $500 or $1000 (the savings you earn over two years pays for the deductible cost in most cases
• Lower you medical coverage to basic (stack car insurance policies for added medical coverage)
• Choose a high deductible on comprehensive, or forgo it all together
• Do not choose coverage for glass
• Refuse coverage for pets, electronics and valubale in your car during an accident
• Include all safety devices on the car including airbags, suspension, tires, and other saftey features. Your car insurance company should have a list

A few of these car insurance policy options (1-3) will reduce the amount of coverage you get, but it will increase the amount of money you save each money and let's face it the coverage is mainly about money. Especially the deductible increase. Just by increasing the amount you will have to spend if you ever get in an accident by $500, you could save $1000 or more over the course of just a few years.

Some people don't realize how much they spend on car insurance each year just to keep a low deductible and save $250 in the event they ever get in an accident. They'll pay two or three times that amount in added car insurance policy cost before they ever even need a deductible.That money comes out of your pocket every month.

Still people like the comfort of knowing they won't be stuck with a big lump cost if their car is ever in an accident.

The deductible is only the highest amount you will ever have to pay if your car is damaged and needs repair. You might think, "I don't want to be stuck paying $500 all at once if I am in an accident." Well, you will save more than $500 on your policy over the course of just a year or two if you raise this amount. You'll have more money every month, instead of spending it on car insurance. 

That's a pretty good deal isn't it? Who gets in an accident every few years anyway? Probably people who pay a lot for car insurance.

The money you will save by purchasing a cheaper car insurance policy adds up pretty quickly. So, at the end of the year you are sitting on a lot of extra money. That is really worth a lot more than the added comfort value of higher priced policies. Especially when you never use them.

In most all cases, choosing a higher deductible actually saves you money, especially if you go without an accident for several years. It is also surprising to see how well these smaller, less expensive companies handle their claims. One of the best ones is 21st Century Car Insurance. This company is growing fast, and offers excellent claims service. They also have a great policy structure that means really low rates for most drivers.

So, shop around and get various quotes from cheaper car insurance companies, then decide which policy and rate suits your needs. Some companies may actually offer a cheaper rate just because you fit their insurance profile.