Cheap Auto Insurance Quotes: Tips to Securing the Lowest Rates

It would be a mistake to believe that the premiums quoted by your insurance broker are the very best that can be found. Like anything else than can be purchased, a little bit of shopping around will lead to a better price eventually. But there is more that can be done to find cheap auto insurance quotes than just taking time to search the options.The figures defend the idea that there are better deals to be found, with surveys revealing that prices can differ dramatically. In some cases, the price difference can be as much as 300% between insurance premiums. And by seeking instant quotes online, it is possible to find the best deals, with as much as $625 saved from annual premium payments.In fact, securing cheap auto insurance is dependent on just a few simple factors, and if these are addressed before your search begins, then the results are likely to be better.Precise InformationThere is nothing that insurance brokers hate more than inaccurate information. For drivers, inaccuracies will lead to higher insurance premiums, at the very least. By gathering all of the necessary information together, and having it at hand, the chances of getting a cheap auto insurance quote are increased.The critical information that insurers look for is not limited to name and address, occupation and income. They have a far wider scope. For example, a zip code will indicate the risk of theft since certain residential areas have higher rates of theft than others. When looking for instant quotes online, highlighting a good area will mean a lower premium.Providing info on the safety features on the car can lower a premium further. Also, accurate details on mileage covered can also lead to cheap auto insurance since low mileage means less time on the road, which means lower risk of an accident.  Consider Your DeductibleOne way of ensuring a cheap auto insurance quote is to arrange for a higher deductible. The deductible effectively increases the coverage that an insurance plan has, but in the case of a claim being made, the policy is not fully affected. Raising the deductible on your plan will mean a lower risk for the insurer, which will then be translated into a lower premium.For example, if a normal plan has a deductible of $1,000, it means that a minor incident can be covered without fear of the plan itself being affected. This is because the claim is covered by the deductible, which is effectively your cash. If the deductible is increased, to say $1,500, it means bigger incidents can be covered by your own cash. So, the insurer will lower the premium.It is important to look at this option when seeking instant quotes online, since many of the details are not obvious at first. However, bear in mind that the cash needs to be available to make such pledges, so cheap auto insurance can mean careful budgeting.Other OptionsThere are several other things that can be done to ensure a cheap auto insurance quote is secured. For example, a married couple should consider switching the name of the main driver. Since women drivers are subject to greater discounts, it may be worth naming the female as the main driver.Another is to consider reducing the use of your car to benefit from the low mileage discount that are often highlighted in instant quotes online. Cars that average less than 40 miles per day qualify.And finally, install a more effective anti-theft device to lower the degree of risk. With these tricks, cheap auto insurance is almost guaranteed.