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Insurance Cheap Auto: 1000+ Ways to Save

Introduction

Are you looking for ways to save money on your auto insurance? If so, you're not alone. According to the National Association of Insurance Commissioners (NAIC), the average American spends over $1,000 per year on car insurance. However, there are a number of things you can do to reduce your costs, such as shopping around for quotes, increasing your deductible, and taking advantage of discounts.

Shopping Around for Quotes

insurance cheap auto

One of the best ways to save money on auto insurance is to shop around for quotes. According to the NAIC, drivers who compare quotes from multiple insurers can save up to $400 per year. To get started, you can use an online quote comparison tool or contact several insurance companies directly.

Insurance Cheap Auto: 1000+ Ways to Save

Increasing Your Deductible

Another way to save money on auto insurance is to increase your deductible. A deductible is the amount of money you have to pay out of pocket before your insurance coverage kicks in. By increasing your deductible, you can lower your monthly premiums. However, it's important to choose a deductible that you can afford to pay in the event of an accident.

Taking Advantage of Discounts

Many insurance companies offer discounts for certain things, such as being a good driver, having a good credit score, or taking a defensive driving course. If you qualify for any of these discounts, be sure to ask your insurance company about them.

Other Ways to Save

In addition to the tips above, there are a number of other ways to save money on auto insurance. These include:

Combining your auto and homeowners insurance policies with the same company.
Enrolling in a pay-as-you-drive program.
Using a telematics device to track your driving habits.
Negotiating with your insurance company.

Common Mistakes to Avoid

When shopping for auto insurance, there are a few common mistakes to avoid. These include:

Not comparing quotes from multiple insurers.
Choosing a deductible that you can't afford to pay.
Not taking advantage of discounts.
Buying more coverage than you need.
Not reading your policy carefully before you sign it.

Pros and Cons of Cheap Auto Insurance

There are both pros and cons to getting cheap auto insurance. Some of the pros include:

Lower monthly premiums.
More money in your pocket.
Peace of mind knowing you're protected in the event of an accident.

Some of the cons include:

Introduction

Higher deductibles.
Less coverage.
Fewer discounts.

Table 1: Average Auto Insurance Rates by State

State	Average Annual Premium
California	$1,843
Florida	$1,721
Texas	$1,549
New York	$1,463
Illinois	$1,386

Table 2: Discounts Available from Auto Insurance Companies

Discount	Description
Good driver discount	For drivers with a clean driving record.
Good credit discount	For drivers with a good credit score.
Defensive driving course discount	For drivers who have taken a defensive driving course.
Multi-car discount	For drivers who insure multiple cars with the same company.
Homeowners insurance discount	For drivers who combine their auto and homeowners insurance policies with the same company.

Table 3: Tips for Saving Money on Auto Insurance

Shop around for quotes.
Increase your deductible.
Take advantage of discounts.
Combine your auto and homeowners insurance policies with the same company.
Enroll in a pay-as-you-drive program.
Use a telematics device to track your driving habits.
Negotiate with your insurance company.

Table 4: Common Mistakes to Avoid When Shopping for Auto Insurance

Not comparing quotes from multiple insurers.
Choosing a deductible that you can't afford to pay.
Not taking advantage of discounts.
Buying more coverage than you need.
Not reading your policy carefully before you sign it.

Conclusion

If you're looking for ways to save money on auto insurance, there are a number of things you can do. By following the tips in this article, you can reduce your costs without sacrificing coverage.