Car insurance was just a legal requirement as far as I was concerned. I didn’t have valuable cars when I was young, and I had no assets to protect from lawsuits. All I wanted was the minimum legal coverage needed to be on the road. I always made this very clear to my insurance agents, using many rephrasings, like Just what the law requires, and nothing more, just to be sure they understood.

I assumed that this minimum was what my insurance company was giving me. Only after paying the premiums for many years did I learn that they had lied. I didn’t have the most inexpensive car insurance policy, as they claimed. They gave me not the minimum coverage required by law, but their own company minimum. I was pissed off.

I went to other insurance companies and they tried to do the same thing, passing off their own normal liability policies as the state-mandated minimum requirements. Only when I pushed would they provide the policy that I wanted – as long as I signed more paperwork, acknowledging that I was under-insured. That was fine. I had no assets to protect at the time (Having few assets means you’re less of a target for a lawsuit).

The bottom line is that by commission and omission, you will likely be lied to by insurance agents. I overpaid by hundreds of dollars over those years, because of one such lie. Now you know what to watch for if you just want a basic liability policy. Here are some other things you should know about getting inexpensive car insurance.

Secrets Of Inexpensive Car Insurance

- Get several quotes, of course. The important part here, though, is to be sure that each quote is for the same thing. Write down and compare the specific policy limits, deductible and a other parts of the policy.

- Review your policies annually. Ask for a policy review and get new quotes every year or so. Suppose that speeding ticket you had is past the three year mark (or whatever the company guideline is). They will often forget to drop the rate, so you may need to remind them.

- Take the kids off your policy. If your kids are at a college that’s more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can’t let them drive the car when they come home to visit though.

- Raise your deductible. You will always get more inexpensive car insurance with higher deductibles. Plan to pay the first $1,000 of that accident if it happens someday. In the meantime, you may save far more in premiums over those years.

- Drop collision coverage. Once the value of your car is below a certain amount (an amount you can afford to lose), drop the collision coverage. It doesn’t make sense to pay out thousands over a few years to insure a car that is worth just a few thousand.

- Ask about special discounts you might be eligible for. Non-smoker discounts, car/home policy discounts, and others are a possibility. Ask what discounts you may be eligible for in the future, too, and remind your agent when the time comes.

-Look at every part of the policy, and don’t pay for things you don’t need. Ask about anything you don’t fully understand. Asking a lot of questions and really understanding the policy is one of the surest ways to get inexpensive car insurance.

Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more, and get a free gift at: http://www.TheSecretInformationSite.com

How can you do that? By purchasing a safe car. Insurance companies are more likely to offer you cheaper insurance rates if you own a safe vehicle that is not going to be at risk for being easily damaged or having extremely high repair costs.

Safety is sometimes overlooked when it comes to shopping for a vehicle. People tend to look for the cheapest car that will fit their budgets, or they look for something sporty, attention-grabbing, or otherwise physically attractive. What they usually fail to do, however, is check out the safety ratings and components of the vehicle. How do companies that specialize in vehicle safety rate the vehicle? What kind of safety features are highlighted for the vehicle? These are questions you should ask your car dealer.

So, the next time you head out to your local vehicle dealership, look for vehicles that have safety components such as air bags, traction control, head restraints, and impact protection. Don?t be tempted to purchase the vehicle the very same day if the dealer can not offer you information such as crash test ratings on the car ? do some research on the vehicle yourself first.

Making your next vehicle purchase a safe one will not only help you get very cheap car insurance, but it will also help you have peace of mind that you and your passengers will be safe when you head out on the roadways.

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