When shopping around for auto insurance, you’ll likely have to give the companies a variety of information so that they can determine a rate to offer you. Auto insurance companies use many different factors to figure out your premiums – some of them are completely out of your control, however many of them are actually within your control. If you’re an Austin driver looking for the best car insurance rates, you need to know these 3 secret hacks to get the lowest rates possible.
1. Many people don’t realize it, but some insurance companies will give you an auto insurance rate based upon your credit score. The better your credit rating, the more affordable insurance premiums you’ll get. There are a variety of websites that will allow you to get your credit report for free. This will help you determine what areas you need to fix in order to improve your credit score. If you have no established credit or a poor credit score, you should consider finding an insurance company who doesn’t check your credit before giving you a rate. Many people shop and compare car insurance quotes using websites like http://www.AustinAutoInsurance.co. Once you have found the insurance company you’re interested in, simply give them a call to find out what information they require of you and if they perform credit checks.
2. If you are able to, consider paying for your insurance annually instead of through monthly payments. While monthly payments may be easier to budget for, choosing a yearly policy will often times get you a lower rate. You will also be locked into that rate for the full year, which will save you money if your insurance rates were to go up. If you are currently paying monthly, consider putting money aside each month so that you can switch to an annual payment when it is time to renew your policy. It is much more affordable than most people think.
3. Combine your car and home policies. Many of the top insurance companies offer a discount for bundling your insurance. If you have auto and home insurance with different companies, it’s time to make the switch. If your insurance company doesn’t do discounts for bundling, find a company who does. This could save you as much as 25% in insurance costs each year.
There are so many different factors that insurance companies consider before giving customers a rate. These are just three things you can do to ensure you get a low rate, however there are many more that include taking a defensive driving class, group discounts, anti-theft devices, and so much more. Every company offers their own discounts, so the best way to find out what you qualify for would be to contact your carrier.
Austin drivers who are currently in the market for auto insurance can save themselves the hassle of calling around and use http://www.AustinAutoInsurance.co to quickly and easily compare car insurance rates. They will be able to help you find the best insurance plan for your specific needs.
Author bio. : http://www.AustinAutoInsurance.co is the best place for Austin drivers to quickly and easily compare car insurance quotes.