{"id":621,"date":"2022-06-29T18:35:00","date_gmt":"2022-06-29T18:35:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=621"},"modified":"2025-04-25T22:44:09","modified_gmt":"2025-04-25T22:44:09","slug":"finding-the-best-deal-on-car-insurance","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/saving-money-on-auto-insurance\/finding-the-best-deal-on-car-insurance\/","title":{"rendered":"7 Simple Tips to Finding the Best Deal on Auto Insurance"},"content":{"rendered":"\n

Whether you\u2019ve been insured for years or you\u2019re looking for affordable car insurance<\/a> for the first time, it pays to shop around. Because auto insurance premiums vary from one company to the next and from one driver to the next, you\u2019ll find the best deal on car insurance by doing some comparison shopping.<\/p>\n\n\n\n

Shopping for cheap ca<\/a>r insurance isn\u2019t rocket science. But if you don\u2019t know exactly what you\u2019re doing before you start out, you can easily fall prey to offers that look good. This can unfortunately translate later on more coverage than you need or worse\u2026you don\u2019t have enough. The following 7 tips are designed to help you in your search and save you money:<\/p>\n\n\n\n

1. Be Decisive About What Car Insurance You Need<\/h3>\n\n\n\n

Decide before you set out shopping what coverages you actually need. There\u2019s a long list of types of car insurance, plus plenty of optional car insurance coverages. Do you even know what your state\u2019s minimum liability requirements<\/a> are? That\u2019s a good place to start when finding the amount of car insurance you need.<\/p>\n\n\n\n

2. Consider What You Want to Pay in Deductibles<\/h3>\n\n\n\n

You do have a choice on how much to pay for your car insurance deductible<\/a> \u2013 to a degree. Most car insurance companies will have a minimum you\u2019ll have to have, such as $500. A lower deductible will have you paying higher monthly rates. On the other hand, higher deductibles work in the opposite direction as they\u2019ll lower your premium. Don\u2019t forget that you\u2019ll have to pay more out of pocket if you have a claim.<\/p>\n\n\n\n

3. Get Several Price Quotes from a Variety of Insurers<\/h3>\n\n\n\n

Don\u2019t settle for the first auto insurance quote you get. Competition for your business is hot and heavy. Get at least three quotes. Also, when comparing car insurance quotes<\/a>, be sure you\u2019re talking about the same coverage with each company. You\u2019ll want to compare apples to apples.<\/p>\n\n\n\n

4. Be Truthful and Don\u2019t Lie About Tickets and Other Infractions When Searching for Car Insurance<\/h3>\n\n\n\n

Answer all questions truthfully. Deliberately lying to an insurer will not only get you an inaccurate quote for your needs, but it could lead to you being denied coverage or having your policy cancelled. The insurance industry really frowns on insurance fraud<\/a> \u2013 you could find yourself in really hot water fast.<\/p>\n\n\n

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5. Find Out About Car Insurance Discounts<\/h3>\n\n\n\n

Car insurance discounts are a great way to save money on your car insurance. The more you qualify for \u2013 the more you can lower your rates. Keep in mind that discounts also vary by company. Most insurance companies will limit how many discounts you can apply to your premium, so go for the ones that will save you the most money. In the list below you\u2019ll find some of the more common ones and how much, on average, they\u2019ll take off your premium:<\/p>\n\n\n\n