Two men discussing a car accident

Top Tips for Finding the Best Car Insurance Rates

Published in Car Insurance

As a Maritime driver, one of your top priorities should be finding the best car insurance. Not only is it mandatory by law to have car insurance, but it also protects you from financial loss in case of an accident or theft. However, finding the best car insurance rates can be a daunting task. With so many insurance providers and policy options out there, it can be overwhelming to know where to start. That’s why we’ve put together some tips to help you navigate the process and find the best rates for your needs.

How to get the best auto insurance rates.

Get quotes and compare policies

Getting more than one quote for car insurance is a smart idea. Take the time to shop around and compare rates from different insurance providers. In addition to rates, you’ll get a sense of the level of advice and customer service you can expect over time. Just make sure you are “comparing apples to apples” regarding limits and deductibles.

Ask about discounts

Don’t be afraid to ask your insurance provider about available discounts. Some common discounts include safe driver discounts, low mileage discounts, and discounts for having multiple cars on your policy. Here is a list of Car Insurance Discounts that Could Save You Money.

Drive safely

Maintaining a good driving record can help you qualify for lower insurance rates. Follow the road rules, avoid speeding, and don’t drink and drive. Most insurance companies also offer discounts for completing safe driving courses.

Adjust your deductible

Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. Increasing your deductible can lower your monthly premiums, but it also means you’ll have to pay more out of pocket if you get into an accident.

Bundle your insurance policies

Many insurance companies offer discounts if you bundle multiple insurance policies, such as car and home or tenant insurance. Plus, you will simplify an insurance claim process when needed, with added flexibility only bundling can offer. Visit our web page to learn more and read frequently asked questions about Bundling Car and Home Insurance.

Maintain a good driving record

Your driving record is one of the most important factors insurance providers consider when determining your rates. Avoid speeding tickets and accidents to keep your driving record clean and your rates low.

Consider usage-based insurance

Usage-based insurance (UBI) is a type of car insurance where your premiums are based on your driving habits. This may include your speed, distance travelled, and time of day you drive. If you are a safe driver, this may be a cost-effective option. For more, check out our blog: Usage-Based Car Insurance and What You Need to Know.

Review your policy regularly

As your life changes, so do your insurance needs. Make sure to review your policy regularly to ensure you have the coverage you need at a price you can afford. For example, you may be eligible for lower rates if you’ve recently moved or changed jobs.

By following these tips, you can find the best car insurance rates for your needs and budget. At Bauld Insurance, we are committed to helping you find the right insurance coverage at the best possible rates. Contact us today to learn more about our car insurance policies and how we can help you save.

Learn more about Car Insurance, read Frequently Asked Questions, and Request a Quote Today!