Budget Car Insurance – "7 Tips to Save Cash"

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Car insurance is something all of us have to think about. Especially if you're on a tight budget. With economy like this, you can't afford overpaying for insurance.

Below, I've compiled a few tips for you on how to save money when you go after a budget car insurance company. Ok, tip #1 – be a woman. Just kidding. It's not a secret that women pay much less for auto insurance, because they are safer drivers. Well men, you can beat your head into the wall, but it still won't help. Statistics are statistics and you can't fight with that. But you can fight with insurance companies and learn how to get cheaper insurance. This could save you a few hundred bucks a year or even a month. Let's look at some of the tips below:

1. Credit Score – This is a step you can look at before even selecting a car. If your score is below 560, you can bump it up by consolidating credit card debt or even getting rid of some cards. Of course, go ahead and read some tips on boosting credit score, but this is the first and foremost in order to save on car insurance.

2. Car Protection – That's right. Those little thingies you put into your car can save you on budget car insurance. Hard to tell how much exactly and whether it's worth it. But if you don't have alarm, anti-theft devices then you'll pay a bit more. You can buy cheap devices on eBay and this could work out well for you.

3. Drive Cheap Car – I know, if you dream about fast Porsche or upgraded and "pimped out" used Honda, you don't want to get a 4 door small sedan. But in reality, sports cars or fast cars will have higher insurance all the time. They're get into accidents more often. Cheap option, may be a better idea in this case. Save money on car and insurance and when you make enough money, get yourself that beast you desire.

4. Multiple Cars – Did you know that when you have more than 1 car in family, you can get a discount for budget auto insurance on second and other cars? Your budget insurance provider will love to get more business from you and will in turn lower fees for other cars you have. Defiantly use this option.

5. Defense Driving Classes – Yes. Take defense driving classes. Chat with your local agents to see if they offer such classes. If you succeed, you'll lower the car insurance price. And if you fail, it may even increase. So be good at driving.

6. Group Discounts – If you belong to any kind of group or club, you may be eligible for a car insurance discount. Military, university/college, work, any other club you can think of. Usually they have discounts for members. If you don't belong to any, why not join one if it doesn't cost much. You'll get cheaper insurance.

7. Full Coverage? – Do you actually need full coverage? If you're on a budget, then think about using only some car insurance. Like if your car is worth $1000, why would you need collision or comprehensive coverage? It may not be worth it at all. So get rid of coverage you don't need.

Summary
Use at least some of these tips and you can already start saving a few bucks on your car insurance. If you're considering budget car insurance, don't go after expensive or speedy vehicles. It just doesn't make sense. Money is important these days. So save every penny by following some of these tips.

Read more: http://www.articlesbase.com/insurance-articles/budget-car-insurance-7-tips-to-save-cash-3615364.html#ixzz1OpzW49wl 
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