Introduction

The persistent increase in the daily goods and service prices has made consumers find ways to tighten their spending. Buying auto insurance is not an exception. Many customers wonder how to choose a cheap car insurance package in the context of there are too many insurance firms with too many suggestions. In this piece of writing, we would like to give you some suggestions on how to get cheap car insurance, hope that they would be useful for you.


How to get cheap car insurance?

Compare insurance benefits

The two most important parts in insurance terms are “insurance coverage” and “exceptional points.” Most insurance firms give a detailed list of insured cases, while some others list only the exceptional points of the insurance packages. However, you will enjoy more benefits with insurance packages of the latter ones. If the insurance packages have fewer exceptional points, customers will have more insurance benefits. You should also check to know whether the insurance packages include the following benefits or not:

- Insurance for stolen car parts
- Flood insurance
- Repairs at your favorite garages
- Replacement of genuine car parts without including depreciation

You should also pay attention to the insurance cost. If you choose lower-cost insurance packages, you will have to pay lower insurance premiums. This means you will enjoy fewer indemnities when incidents occurs causing damages/losses.
If you buy a completely new car, you should choose an insurance package that includes the commitment to indemnifying a completely new car if incidents occur causing total damage of over 75% of the car. You also need to note that many insurance firms offer indemnity only equal to the market price of the car before incidents occur.

With car insurance, you should choose a company with the best products and services and select a deductible level.
Many people buy insurance packages from their acquaintances or relatives working in the insurance sector. However, this brings you no benefits when incidents occur, especially after they have stopped their work at the field. You should note that you sign insurance contracts with the whole insurance firm, not with any individual. Therefore, you should concern about the following factors:

- The insurance firm’s financial capacity
- Hotline 24/24 (be careful if the hotline is a mobile phone number)
- Car broken rescue (after the incidents occur, when you will have car broken rescue, there is a limitation on the distance for the rescue or not)
- Garage network (especially genuine garages)
- Evaluation of drivers and owners on the time and procedures for the indemnity process (the indemnity processing lasting between one to two days will waste more of your money compared to the sum you can save from the insurance cost)

Choose a deductible level

If you want to lower the cost of buying auto insurance and enjoy the best services and the most benefits, you should choose a company with the best services and products and select an insurance package which includes a deductible level.

A deductible is the sum of money that customers have to pay for the losses/damages in the incidents before the insurance firms provide indemnity. For example, if you choose the deductible level of $50, you will have to pay for the losses/damages yourself if the losses/damages cost less than $50. If the losses/damages cost $5,000, you will have to pay only $50, the remaining of $4,500 will be paid by the insurance firm. The insurance packages with deductible level cost less than those without deductible level. Especially, the higher the deductible level is, the lower the insurance premiums are.

Choose high-quality insurance services

Another factor that is considered the most importance one in choosing auto insurance is the service quality. Many drivers have “suffered headache” with insurance companies which are unenthusiastic when their customers get problems or need to connect with relevant units such as garages, causing a waste of time, money, and efforts of drivers without any results.

Therefore, drivers should choose auto insurance firms linking with garages which are reliable and convenient for travelling to lower costs and enjoy comfort.

Learn about the auto insurance firm’s garage network

Most customers think that the car insurance firm takes the responsibility for connecting with the garage network, not their responsibility. They think that all garages chosen by the insurance firm are reliable, but in fact, not all of them are.

Only 30% of customers pay attention to the insurance firm’s garage network when choosing insurance packages. This is a wrong viewpoint affecting the consumers’ benefits.
It is the ignorance of customers which leads to troubles when incidents occur. In these cases, you will not have the right to choose the garage for the repairs, the insurance firm does. The garage(s) selected by the insurance firm are not all reliable; some provide low-quality service quality and non-genuine car parts replacement. So you will have to pay additional fees to replace non-genuine car parts with genuine ones.

Therefore, you should choose large-scale and reliable auto insurance companies as they put the management on the garage network as their top priority. The high-quality garage network will ensure your benefits.

Protect your car

After buying auto insurance, some people think that the insurance firm will deal with all risks, so they drive carelessly. The careless driving not only causes dangers to the lives and property of the drivers and others, but also makes them pay higher insurance premiums or be rejected from indemnification.

To encourage customers to protect their assets, most insurance firms provide renewable insurance policies of between 10% and 30% for this year if customers do not have any indemnification request last year. Especially, if you buy car insurance from Liberty, you will be discounted by 50% if you have fewer than three times of indemnification requests last year and the indemnity fees do not exceed the insurance premiums by three times or more.
You should also not that the more time the car has been repaired, the lower value it has. Therefore, protecting your car will ensure the benefits of both you and the auto insurance firm.