The best way to get cheap car insurance is to compare insurance quotes from several insurers at least once a year, but this process can be time consuming. An independent agent can shop from multiple insurers for you, including smaller, regional insurers that may offer cheaper coverage.
Don't assume you're getting every discount you qualify for. Ask your insurer or agent about potential discounts to be sure you're maximizing your savings. Some common ways to save include bundling policies, being a safe driver, opting for paperless billing, and having safety features in your vehicle.
Increasing your deductible can lower your premiums, though you'll have to pay more out of pocket if you make a claim. It's important to weigh the potential savings against the increased financial risk of a higher deductible.
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