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Cheap Car Insurance Secrets – Untold, Undisclosed and Completely Legal

Do you know the secrets to getting cheap car insurance? When you're looking for cheap car insurance quotes with different companies, or even checking with your current company, you need to know the best ways to save money.

The insurance companies won't tell you about these three simple techniques to put money back into your wallet. These are perfectly legal and I highly recommend everyone look into applying them to their current insurance.

Secret Technique #1 - Annual Mileage

Part of the cost of your insurance is based on how much you estimate you will drive in the year. The more driving and higher mileage you expect to put on your car equates to a higher risk of getting into an accident. This leads to your car insurance rates being adjusted accordingly.

Take 20 seconds and figure out how many miles you think you'll drive. Now call up your insurance company and see what they have listed. If your estimate is lower than what they currently have then tell them to lower it. If what they have is higher... just leave it be.

Secret Technique #2 - Renter's Insurance

If you are renting an apartment, home or condo definitely look into getting Renter's Insurance from the same company that provides your auto insurance. Often times the discount you get on your auto insurance for having multiple policies, is greater than the entire cost of the renter's insurance. Essentially, you get more insurance and more protection and it all costs you even less money.

Even if you live at home with your parents or don't even need Renter's Insurance, you need to look into it. Not checking on it may actually cost you money.

Secret Technique #3 - Multiple Cars, Multiple Drivers

Do you have roommates? Try to get everyone onto one insurance policy. The 'multiple-car discount' can be significant.

If you have roommates or family living with you and they are older than you, simply adding them as a driver (not their car) may also bring down your insurance premiums. If they are older they likely have more driving experience than you. Hopefully, they have a clean driving record, as well. If so, simply listing them on your policy should help to bring down your rates.

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