Tips for Finding Cheap Family Car Insurance
You can find cheap family car insurance without sacrificing good service. You just need to know how to get the best deals. The cost of insurance will vary depending on which company you use, the type of insurance you get, the number of people on the policy, your ages, driving experience and driving record. You can help to lower your rates by limiting the coverage you get with your insurance plan.
For example, you can get lower rates when you buy separate roadside assistance coverage with towing for the family instead of getting this service with your auto insurance company. In addition, the roadside assistance can help keep your family safer by getting you off the road in a fast and efficient manner when emergencies occur.
If your daughter has a flat tire on her way to school and you're at work, you won't have to get off work to go help. Instead, with one phone call, help will be on the way immediately. You can also get lock out services, fuel delivery, jumpstart and personal assistance for directions if you travel a lot. Therefore, this type of coverage makes a great addition to any auto insurance policy.
Here are some other ways you can save money and still buy cheap family car insurance:
A� Enroll in drivers education classes- If you're insuring teenagers, you can lower your rates by making sure they have successfully completed a driver's education class. This earns you some discounts that can really lower your rates.
A� Choose a high deductible- Most deductibles start at $50 and go as high as $500. When you get the lowest deductible, your rates are higher so if you want to save money, choose the highest deductible that you can afford easily if involved in an accident.
A� Look for safety features on the vehicles you buy- Choosing models that have air bags, anti-lock brakes and other safety features will help to reduce your premiums.
A� Practice good safety habits- Accidents will raise your premiums so encourage everyone to be safe when on the road, no texting and driving or goofing around when behind the wheel.
A� Obey the laws- If anyone on your insurance plan gets a ticket for speeding, running a stop sign or breaking any other laws, your rates are going to shoot up. On the other hand, some insurance companies reward safe and cautious drivers who are accident free with cheaper rates.
A� Insure multiple vehicles or bundle your services- Most insurance companies will offer multiple car discounts and since most families usually have at least two vehicles, you can earn some discounts this way. You can also receive discounts when you use the same company for both your auto and home insurance.
A� Don't buy the newest or most sporty car on the market- The insurance on older model cars are cheaper and you can find some excellent deals on vehicles that still run great. Another advantage to buying older cars is that you may not need full coverage, which will greatly reduce your rates.
Family car insurance can be very expensive but don't choose a company based on price alone. The same is true with roadside assistance. You don't have to sacrifice quality service for low rates. Getting as many discounts as you can and choosing a good reliable company will help to ensure you get the best rates and good service with your cheap family car insurance.
EmoticonEmoticon