TOP 10 Tips for CHEAPER Car Insurance – How to get Lower Auto Insurance Rates (2019-2020)

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Subscribe: How do you buy car insurance , and how do I get the best rate on car insurance ? You came to the right place. From the Author of “How to Beat the Dealers Finance Office,” “Car Scam of the Decade,” and “13 Car Buying Mistakes,” these are the top ten tips for cheaper car insurance as presented by Kevin Hunter. Would you like to get cheap car insurance rates? Lower auto insurance premiums? From the author of “13 Car Buying Mistakes” Kevin Hunter comes this fantastic video. Do your homework and get multiple quotes. It’s your ticket to save you money on car insurance !

According to Edmunds:
1. Get more than one rate quote before you commit.”Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next,” says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state’s regulators. Click on your state and you’re taken to the state’s Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies . You’ll also learn how many complaints each company has logged. Surprisingly, you don’t have to sacrifice service quality to score a low premium. “A lot of the lower-priced companies have the best service rates,” says Hunter.There are a host of independent Web sites, like, that allow you to comparison-shop by offering online price quotes.
2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you’ve got a few models on your shortlist, contact your carrier to see what rate each vehicle commands.
3. Go high on deductibles.If you’re willing to give a little with your deductible, you can wind up saving big on your rates. “If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy,” says Hunter.
4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. “Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don’t buy the coverage,” says Hunter.
5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. “Your credit score can be very important in determining your rate,” says Hunter. “You can wind up paying up to 50 percent more if you have a bad credit score.”
6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver.
7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers.
8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. “Many carriers offer discounts. Ask for them when you’re shopping,” says Hunter.
9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. “They use lapses in coverage to increase your premium,” says Hunter. Pay your insurance bills on time.
10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums.

If you’ve ever seen “The £26 a YEAR car insurance man – Martin Lewis” you’re going to enjoy this video.

Kevin Hunter resides in Longview, Washington with his wife Stephanie and daughters Jackie and Alison. The Business Forum Show, TBFS Radio, Street Wyze, You Don’t Know JACKIE,and Children’s Stories are just a few of the broadcasts and studio based video productions he does.

If you’d like to know how to grow your online presence for personal, business, or professional purposes, you can reach Kevin Hunter at (360) 545-3501 today.



Comments (24)

  1. WANT A FREE CAR INSURANCE QUOTE? Any city or state, multiple providers at:

  2. I pay 230 per month for a Buick Enclave perfect driving record 47yo absolute bullshit… the government must be getting a kickback because they're doing nothing to stop this

  3. A GOOD DRIVING bwahaha Florida it dont work that way insurance company excuse fraud bwahahah while the real fraud is the politician and insurance conniving i move here since 2012 no accident no record last ticket i got 2009 driving on Second lane going up grave vine CHP california highway patrol have a trainie. I have class A license. By the way if any politician will say this is slander here another word for you flock you its xalled first ammendment. Why did i put this coz there dumb ass american so patriot but careless how this big company and politician make money so do your on research before moving to florida. Not just car insurance is the hidden agenda. the whole USA is flock by this bankers, capitalist, puppet politicians. Why im i putting thid to humiliate regular American? No i like to share what i expirience so other people wont get scammed

  4. Can I really go back to the dealership and cancel all the insurances i put on it? I got GAP, bumper to bumper, tire and rim, and i feel duped! First time buying a vehicle from a dealership and fell for it all. If i could cancel that would be a life saver

  5. I just did a review on the WORLD CHEAPEST INSURANCE its awesome I saved a lot of money 😀

  6. In other words just be a good slave. Insurance is one of the biggest scams out there and how any wondered where these companies got their money to start. Many big businesses have tricks and hacks from the government to start their business that the common individual don’t know about. Babylon America will fall says the most high God of the real isrealites according to biblical prophecy.

  7. I would never let the auto insurance companies predict what kind of car I'm gonna buy! F that

  8. The biggest mother fuckin LIE! The one with a bad credit score files the most claims! The mother fuckin son of a bitch who came out with this needs to be sued for everything that they are worth,both hands and feet burned in a fire and their fingers cut off and toes smashed!!!

  9. DO NOT USE ONE OF THOSE CHIPS IN YOUR CAR. They track where you go, stop and stay then sell the data.

  10. Homeowners Insurance Tampa
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  11. Thanks it's really helpful for me

  12. Use an app that tracks YOUR driving rather than making you pay for everyone else's claims

  13. I got good student discount too

  14. best car insurance articels

  15. Number 8 sound too big brotherish to me. The thought of having a black box in my car kinda gives me the creeps. Do they also record your personal conversation, or what you're listening to on the radio as well? I rather get a discount by raising my deductible.

  16. Having to carry car insurance should be illegal or seriously reformed. It's legalized extortion.

  17. Number 11 claim you are female

  18. There is an age-old axiom, you get what you paid for. I work for Allstate, EVERY client I speak to I spend time with talking about coverages and how they can impact your life. I cover every bit of the policy in fine detail so my customers know exactly what they are buying. Ask yourself this, if you were in an accident and it was your fault and one person was killed and one person was seriously injured and had to spend 10 days in the hospital, are you protected? If you do not know the answer to this simple question…….GET A NEW AGENT, they have failed you as a customer. All of my clients get my personal cell number. I tell them I do not care of it is 2am, if they are in a wreck CALL ME….not our 800 number. I have a laptop I take with me everywhere. I am available to my clients 24/7, and a lot fo them text me simple questions and enjoy the fact that they can get in touch with Dave The Allstate Guy anytime they need to.
    Every time you get in a car, ALL of your assets are in the trunk of your car. Your house, retirement, investments, children's college funds, future earnings. When you got your auto insurance if your agent didn't spend time with you finding out what your current life situation is…..get a new agent. They failed you as a client!
    In closing shopping for the absolute lowest cost in anything is never a good strategy. Shopping for the best value is always the best way to go.

  19. I cancelled the 2000 warranty that is useless on this car like maybe 3 days after I sign the paperwork and the finance company is still charging me for it I asked them to modify the loan and take the redo the loan they refuse to do that so what can I do about this with the warranty that was added that I didn't want also they raped me for $2,000 profit of what the car is actually worth I contacted and I'm still awaiting what the outcome is with that the car is a solid car the interior looks like brand new like I said have that front end damage to it and a dent but they were not completely honest with me and the deal and I tried to unwind the deal the day after I bought it and the jackass finance manager refuse to take the car back

  20. what if I file bankruptcy

  21. Sounds like this video was made by either GEICO or State Farm. Never used GEICO, but State Farm sucks. It’s s rip off.

  22. Credit scores are SCAMS. How many ways can someone get good credit as oppose to getting bad? What if you dont oew bills? How can you build a credit score? Oh, you mean I have to go out on a lim and borrow a huge loan.

  23. You know how to get cheap insurance? You find someone in your state in a very small town. Either pay them or find a friend who will let you use their address for your auto insurance. Auto insurance is way cheap in small towns. Because of few accidents etc. I saved 150 month at the time. Best way to save money ☺️

  24. We shop DOZENS of carriers for our CALIFORNIA CLIENTS! 760-407-6100. ABSOLUTELY $0 broker fees!!

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