1. The time is paramount. The best time to change your car insurance is within one month of receiving the renewal of its current insurance policy. You may cancel your policy without any fee or penalty if it acts within this period. Important note: make sure you have a new policy before you cancel the old to avoid a lapse in coverage. If you decide to cancel your policy (after acquiring a new coverage) outside the period of 30 days, should pay a penalty. However, you can still save money after paying the penalty, if the new price of your car insurance is much more profitable for you.
So, although it is advisable to wait until you receive the renewal notice, you can cancel your policy at any time.

2. Prepare your information. Control through a recent bill or renewal notice, your current policy. Note that receives coverage that amount of money. Take note of any discount from your insurer will. In addition to the current policy information in your hand, also has his driver’s license number and car registration available when you begin to make inquiries for the purchase of your new auto insurance.

3. Car insurance prices: research the market. Today there are hundreds of insurance companies competing in the market. Take time to find car insurance rates, get quotes from several providers, compare. Finally, the time invested will be reflected in cash savings.

4. Cancel your old policy. Once you have signed up for its new car insurance, you MUST cancel your old policy. As noted earlier, be sure to have a new coverage before terminate your old insurance. It is extremely important that you contact your former insurance company or broker, otherwise it might bring as debtor and may affect your driving record and the recruitment of new coverage.

Most insurance companies require only a written certificate informing you want to cancel the policy (some may require proof of new coverage). His company will send you a form to sign and forward, which actually cancel your insurance. If you do not receive this form (or any order confirmation of cancellation) within two weeks of your order, be sure to contact your company and send you a statement of your cancellation request. It’s really easy to change insurance company! Do not chain to a single insurer. Find the best car insurance rates and can save much money.

Here are some suggestions to help you achieve the best deal possible for their interests in the insurance policy for your car:

Ideas to save on auto insurance

* The insurance agents are in fact much leeway. Can match a price and offer many discounts.

* Change Deductible. There are several choices you can make about your policy that will save you a lot. For example, if you change the collision or collision deductible from $ 50 to a deductible of $ 1,000, will remove a good amount of value. If you think it is not possible to draw $ 1,000 from the pocket, then change it to $ 500 deductible. Anyway you’ll save a good part of the annual cost of the premium.

* You can also increase your savings if you change your deductible coverage for damage other than collision (All Risk). Many people maintain a full coverage on your old vehicle unnecessary. If you bought the new car and paid the total coverage to date, continued to pay the same premium high. Your car can be 10 years worth $ 1,000 or less, and although it continued to pay the same $ 250 – $ 450 every six months (total $ 500% to $ 900 annually) to keep full coverage on your old vehicle.

However, if you have an accident, total loss of your car insurance company will only pay the current value of the vehicle. The amount you receive would be $ 1,000 or less. A car that is old and only need insurance to protect others in case of accident.

* Combine with other insurance. Another method of saving money on your car insurance is combined with other insurance for additional savings. All insurers offer a multi-car discount (if yours does not, it’s time to change his insurance company). Also, many discounted even further if you have a safe home with them.

* Other discounts. There are other discounts for which you may not be taking advantage. Although this seems obvious, make sure you’re getting the correct rate for your age. There are discounts for various ages that you can save lots of money. Ask your agent about this matter. Also, the alarm system in your car can give you a good discount.

Discounts on car insurance

* Buy a Car “low profile”. Cars that have a high cost of repair or that have a high rate of theft have a higher value premium. Búsquese an average car or in the above characteristics.

* Take the low mileage discount. Some insurance companies offer discounts for drivers who have fewer trips during the year, low mileage. With the high cost of gasoline today has much less handle rationale.

* Reconsider the cost of car insurance when they move residence. If you switch to a rural community insurance costs tend to be lower than in cities, where there is more traffic congestion and the possibility of an accident or theft is higher.

* Ask for discounts for airbags and other safety devices. Your insurance agent can give you more information about these discounts when making coverage. Most policies give discounts for having airbags.

* Ask for discount for anti-lock brakes, ABS. Some countries require insurers to give discounts for cars equipped with anti-lock brakes. Some insurance companies give the discount no matter where you live.

* Ask for other discounts without fear. Some companies offer discounts to secure more than one car, not having accidents in 3 years, being a driver older than 50 years, driving courses, having appliances to prevent theft and for being a customer for many years. Also, remember the discount for being a good student driving Cundo is ensuring an apprentice driver.

* Seek group discounts. Some car insurance policies are available for group dare to large employers, professional groups, clubs and other organizations.

* Maintain a good credit report. Your credit report affects insurance rates. Using the credit report for the value of your car insurance costs vary by country and the insurance company but statistics show that drivers with a good credit report tend to have fewer accidents.

Not content to pay the car insurance bill each reaching the end of the year. Your account should make sure that you automatically make a few calls to see if you can save more money on your auto insurance premium.