Car insurance estimate, as the name says, is indeed only an approximate calculation of the actual premium fee you should pay, but the number gives an average amount for you to prepare. People approach auto insurance differently, and some take careful precautions which, in fact, can save them from paying too much. You can also do the same thing by following these tips below.

1. The biggest company does not always give the best policy

Auto insurance is a profitable business, and hundreds of companies have to deal with tough competitions in the market. A company has worked hard to earn its good reputation among consumers, but you may want to try some other companies as well, especially the competitors. By using an online car insurance calculator, you can always compare the premium rate of multiple insurers; less popular companies may give lower quotes.

2. Consider the discounts

Car insurance estimate is greatly affected by the discounts. Each insurer has different rules concerning the eligibility, and you will try to be eligible before making a purchase. One of the easiest is to take defensive driving course. The course may take less than 5 hours, but it gives permanent insurance discount. The amount of discount can be different from company to company, but you can always use online car insurance estimator to figure out how big the discount is.

3. Choose your car wisely

The cost of vehicle ownership is not only the purchase price, but also maintenance and insurance. Performance or sports cars are usually more expensive to insure than a family sedan. If you are very much concerned about insurance, do not buy a Ferrari or Aston Martin. You will probably have a better chance of getting cheaper insurance with a Honda or Ford. Every auto insurance calculator requires you to provide data about your car model and year. You can also see how big the premium difference is between those cars.

4. Get your credit card score fixed

In some states, insurance companies are not allowed to use credit score as variable to determine premium fee. In other states, this is a totally legal insurance practice. In case your credit score is not currently in great shape, please shop around and try to find an insurer that does not require credit card information. Sometimes, to get cheap car insurance estimate, you need to spend some money to restore credit card score first.

5. Careful with a second vehicle

Adding a second vehicle to the insurance policy can be either good or bad idea depending on your insurer. Even when a company’s car insurance estimate is the lowest among all, it can be an entirely different story with two vehicles. Always get the quotes before you decide to add another vehicle to the policy.