Buying a car insurance is like checking out from a large superstore; sometimes you don’t get the desired discounts until you ask for it. Discounts or savings on car insurance can be two fold i.e. the one who you specifically ask for and the ones you get as part of the deal. But there are some other ways also to reduce your cost of car insurance and here are some really handy tips:

Haggle, haggle and haggle more

Forget about automated quotes on websites as your best chance to get the discounted price is always to hook on with the real insurance agent or broker.

You can get better rates if you can get online with a real human and also haggle about the prices. Your primitive instinct to negotiate to the last dollar can really help you to save a lot of dollars on car insurance.

Avoid having gaps in your insurance

Before you compare and save on insurance, make sure you do not have gaps in the time between your insurances.

Many times, when people sell their car, they do not renew the insurance until such time they buy the new car. This however, can cause increase in insurance premiums and you pay more.

So if you are selling your car and plan to buy new one after sometimes, it is always better not to skip your insurance and continue with it. You will definitely save more if you buy new car within a certain timeframe.

The price of your car

The replacement cost of your car can be of great importance in case your car is stolen or damaged. The price of your car, however, determines the replacement cost. Apart from this, the cost of repairs can also figure into the calculations of your premiums.

By Adnan Manzoor

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