Statistically speaking, women have fewer accidents than men have and therefore they have lower insurance rates. Even so, if you are a woman you still want to get the cheapest insurance you can.
Here is how to do just that.
Compare RatesBecause women's insurance rates can vary as much as US$1,000 between companies for the same type of policy, the first thing you need to do is to find the company with the best rates.
The quickest and easiest way to do that is to go to an online insurance comparison website. There you will get quotes from top-ranked companies so you can compare rates.
Maximize Your DiscountsOnce you are on the comparison site you will need to fill out an online questionnaire so you can get a quote that fits your needs. As you fill out the questionnaire you will be able include discounts for your policy. Here are the ones that will save you the most money:
Increase you deductible if you can afford to pay it.
Decline collision and comprehensive coverage if your car is worth less than your premium.
Decline medical coverage if you already have medical insurance that covers you.
Decline towing coverage if you have it through AAA or somewhere else.
If you have two cars, insure them with the same company.
Decline rental car coverage if you do not want it.
Include all the discounts you are entitled to for security features like anti-theft devices, airbags, anti-lock brakes, and automatic seat belts.
Last but not least, you will want to go to a consumer rating site like Epinions.com to get the inside scoop on the company you choose, to find out how they treat their customers and how quickly they pay their claims.
To read the full article, visit Myhonestmechanic.com