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Real Life 101: The Dos and Don’ts of Car Insurance

Insurance is never something you joyfully look for, because its only purpose is to alleviate the impact of a bad thing happening.

With that said, knowing that you don’t have to pay a fortune for it is somewhat more comforting, so it’s important to know how to get those great offers rolling. In this article, we are going to present to you the dos and don’ts of cheap car insurance so that you may walk away with a smile on your face once you shake hands with a dealer.

The Things You Should Never Do

Wondering why your car insurance always seems more expensive than your friends? The following mistakes have the potential of ruining your chances of getting a sweet insurance deal, so make sure you keep them in mind when looking for cheap car insurance.

Don’t settle

Once of the most important things to keep in mind is that settling in most cases means losing. If you’re after cheap insurance, you need to remove the word “settling” from your vocabulary. Instead, you should fight for a much better offer and try to squeeze every tiny opportunity you can get for a reduced price.

Don’t commit early

One big mistake you can make is to commit early without knowing what else is out there. Check out all your options first, and only after that make a decision. If you get insurance now and find out later that there was a much cheaper option down the road, you’re going to be annoyed with yourself.

The Things You Should Definitely Do

These are the things that will keep the dream of cheap insurance afloat. Keep them in mind, and make sure you reinforce these guidelines as your search for the cheapest insurance goes on.

Start searching early

Committing early is bad, but starting the search early is quite the opposite. Make sure you put plenty of time between when you commence your search and the insurance deadline. Having time is essential because otherwise you will put yourself in a corner and will have no way to go but through the shady and suspiciously convenient door that leads to expensive insurance. The only way to get a good deal is by starting the negotiations early on.

Add a second driver to your policy

Lying about someone else being the primary driver of your car is bad; illegal, actually. However, there’s nothing wrong with adding a secondary driver to the policy. Granted that their driving license is clean and that they have a straight record on the road, you can actually get some nice discounts from doing this. While putting anyone on your policy isn’t a good idea, a close friend or a spouse that agrees to it can help you save money.

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