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The Annual Cheaper Car Insurance Checkup

Written by Michele Wilmonen. Posted in Research Last Updated: 01/31/2016

It’s that time of year again to look for cheaper car insurance.

cheaper car insurance

Start the New Year with cheaper car insurance

Now that the holidays are over and we have all mostly recovered, it is time to do your annual checkup on your policy to see if you can’t get find cheaper car insurance rates. Yes, this will take time as you will need to contact different insurance companies and insurance agents for different quotes. But, the savings will be well worth it.

Of course, if you want to save yourself a lot of time you can always use our site to get insurance quotes. All you have to do is enter your information once and it will bring up quotes from multiple insurance companies. Definitely a good time saver.

Making Sure It’s Actually Cheaper Car Insurance

To make sure the quotes you are getting are indeed for cheaper car insurance and not just for less coverage, you need to make sure you have your current car insurance coverages in front of you. You can find your current coverages on the declaration page of your insurance policy. If you no longer have that page, you will need to get a copy from your current insurance company or insurance agent.

You need this information so that you can tell the company or agency you are getting quotes from what coverages you need. This is not to say that you can’t lower your coverages, but you want to first make sure you are getting a better price with the new company you are looking at compared to your current company.

Tossing Unused Coverage for Cheaper Car Insurance

Sometimes we purchase items that we end up really not needing and insurance coverages are no different. For example, you may have purchased rental car coverage when you first got your insurance, but now you have two vehicles and don’t really need a rental car if you can’t drive one after an accident. Or maybe you purchased towing coverage, but ended up with AAA later down the road. Now you have double towing coverage and probably hardly ever use either one.

It’s coverages like these that you can drop off of your policy to give you cheaper car insurance. Those non-required coverages that are optional.

The one thing you need to do before calling around for new insurance though, is to contact your current insurance company and see if they can’t get you a cheaper car insurance rate first.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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