Cheapest Car Insurance Quotes


Cheapest Car Insurance

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Factors That Can Help You Get the Cheapest Car Insurance Rates

Like most drivers, you want to find the cheapest car insurance rates you possibly can. Unfortunately, it can seem that insurance companies speak a completely different language designed to confuse you into paying more of your hard-earned money than you intend. Use the following information to help you fill out a form today and get the cheapest car insurance rates available.

Vehicle Type

You may not be aware of this, but car insurance companies and manufacturers rank vehicles according to how expensive they will be to insure. Neither company broadcasts this information, but it is common knowledge that some cars will cost a lot of money to insure, while others will get the cheapest car insurance rate. Before you buy a new — or new to you – car, make sure you obtain an insurance quote. If you are deciding between two different cars, it is in your best interests to fill out the form twice with each car’s information. The cheapest car insurance rates tend to go to vehicles rated high in safety features, so keep that in mind as well. Anti-theft devices or features that make it difficult for someone to steal your car also provide large discounts.

Policy Fees

Normally, a company’s fees are not something that the average individual has much control over. However, some decisions you make with your policy can get you the cheapest insurance rates and can actually lower potential policy fees. If at all possible, for example, pay your entire premium in one lump sum. Insurance companies appreciate that you are paying for your policy in advance, so they reward you with fewer fees and the cheapest car insurance rates. If you cannot pay the entire premium in one lump sum, the next best plan is to choose an installment plan with the fewest separate payments as possible. A month to month payment plan tends to have greater fees than a quarterly plan, and the quarterly plan may net you the cheapest car insurance rates compared to the monthly plan.

Driving Record

You can control your future driving record, but your driving history is just that, unfortunately. Be honest about your driving record to get the cheapest car insurance rates. If the insurance company finds later that you misrepresented your driving history to get the cheapest car insurance rates, they may decide in the end to charge you more for your premium, which defeats your purpose altogether. Many insurance companies will offer you a break on your premium if your driving record is less than stellar but you plan to attend a driving school or a defensive driving class. If you have this option in order to get the cheapest car insurance rates, it may well be worth the time and aggravation.

Credit History

Your previous credit history may work against you, but you are not completely out of the running for the cheapest car insurance rates if your credit is less than spectacular. Just as paying your full premium can help you to reduce fees and get the cheapest car insurance rates, it can help you to overcome a poor credit rating. Insurance companies want to feel comfortable that their customers will pay their premiums. In order to offer you the cheapest car insurance rates, they need to feel that you will be credit worthy with them. As with your driving record, do not try to disguise your credit history because this can work against you and cause you to move from the cheapest car insurance rates to more expensive rates.

Deductibles

Higher deductibles are another way to get the cheapest car insurance rates. A deductible of $250 sounds great from the standpoint that you may be able to pay that amount with short notice, but your premiums will be much higher. Just increasing your deductible to $500 can lower your premiums up to 20 percent which gets you even closer to paying the cheapest car insurance rates possible. If you have a savings account with some emergency funds set aside, you may be able to lower your premium even more by increasing your deductible. Most people find, however, that this is not feasible even with the promise of the cheapest car insurance rates. Check with your finance company before raising your deductible too high; some finance companies set limits on the acceptable deductibles for your vehicle, regardless of the cheapest car insurance rates.

Memberships

Look at all of the memberships you have in various organizations. Things like alumni association memberships or professional organizations may be able to net you the cheapest car insurance rates. Some organizations make special deals with the insurance companies, whereas some other organizations are able to offer the cheapest car insurance rates directly through their own avenues. Either way, these relationships could pay off for you greatly by opening up the cheapest car insurance rates to you and your family. Do not go out and just join organizations for the chance at a discount on your car insurance, however, since some organizations can be expensive to join. Instead, take advantage of the memberships you naturally would obtain anyway to fully exercise the cheapest car insurance rates all the way around.

Combine Policies

Whenever possible, combine different policy types to get the cheapest car insurance rates. Insurance companies rarely offer only one type of insurance. If you own a home or a boat, combine those policies with your car insurance policy to activate the cheapest car insurance rates through that company. Homeowners, renters, and owners of other types of vehicles should definitely take advantage of this opportunity to get the cheapest car insurance rates.

Getting the cheapest car insurance rates is not an exact science, unfortunately. Luckily, however, there are enough variables that can lower your rates that you can take advantage of one or more opportunities to obtain a lower rate. Always do your research, and give as much honest information as you can about your situation if you are serious about getting the cheapest car insurance rates.