If you dread spending your hard-earned dollars on auto insurance, you're not alone. But while unglamorous, car insurance is a purchase that's not only required of us--it's essential to protecting our pocketbooks from further loss. But, while it's true you need to maintain a car insurance policy, there are plenty of simple ways to secure a lower premium. Window Shopping Because insurers are entitled to offer different policies for different prices, one of the best ways to find affordable car insurance is to shop around. You can find the best deal by obtaining multiple quotes from different insurers, detailing coverage amounts, deductibles and other benefits. While there's nothing wrong with looking up four or five insurers yourself, the …show more content…
Press potential insurers for details about other discounts, rebates and cash incentives. And remember to let prospective insurers know you're shopping around so they'll apply all discounts and give you their best price up front. Drop Unnecessary Coverage Having the right amount of car insurance to protect you in the event of a loss is crucial, but many people pay for coverage they don't need. If your car is paid off or worth less than a couple thousand dollars, you can probably drop collision and comprehensive coverage on the vehicle. You should also be on the lookout for duplicate coverages--if you're an auto club member, chances are you receive benefits like windshield replacement, rental car and towing service through your membership. If you're paying for these same protections in your insurance policy, you're better off dropping them and pocketing the savings. When it comes to dropping coverage, only you know what's truly necessary or unnecessary--and do your homework before dropping any coverages from your