Cheapest Car Insurance Quotes

Cheapest Car Insurance

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How to get the Cheapest Car Insurance Quote

Getting the cheapest car insurance quotes requires more than just an Internet search. If you want the best quotes you can find, you need to take at look at your current car insurance portfolio and see how you match up against what insurance companies take into consideration when determining insurance premiums. Depending on your situation, you may qualify for lower premiums, or you may now be in the position of having to pay more for car insurance.

Car insurance policy underwriters use criteria such as age, gender, driving record and experience, year, make and model of your vehicle, the purpose of your vehicle, where you park your vehicle when you’re not driving it, how much you use your vehicle and even your credit history to rate a policy. The more of these factors that weigh in your favor, the greater your chances of getting the cheapest car insurance quotes. The lower degree of risk you are to an insurance company, the better for you.

The most significant factor is your driving record. Keeping a clean record for the duration of your driving years will keep your insurance costs low. Getting a parking ticking now and then probably won’t hurt, but a string of traffic tickets might. If you get a DUI on your record, you can kiss all chances of getting the cheapest car insurance quote goodbye. As a matter of fact, a DUI can raise your premiums as much as five times higher, and you’ll be paying these higher premiums until the DUI rolls off your driving record. This can take years.

Some people may not be aware of this, but your credit history can also have an impact on your premiums. An insurance company can elect to reject your application for insurance based on a poor credit score. A series of late payments on a credit report is a sign of poor money management and it raises the question to insurance underwriters of whether you will be able to pay your insurance premiums. The last thing insurance companies want to do is end up canceling or not renewing your policy because of non-payment of premium.

Drivers who own a SUV or 4-door sedan stand a better chance of getting the cheapest car insurance quotes than drivers who drive a sports or luxury car. SUVs and sedans are considered safer vehicles to drive than sports cars. Luxury cars are safer to drive than sports car, but they cost more to repair or replace if they are totaled in an accident. Make sure that any vehicle you drive is equipped with safety features like air bags, anti-lock brakes or anti-theft devices. Many insurance companies give discounts on your premium for having such features on your vehicle. If you own more than one vehicle, you may qualify for a multiple-vehicle discount as well. If you haven’t already, sign up for a driver safety or defensive driving course. Insurance companies offer discounts for completing these courses.

Where you call home can also determine how much you pay for car insurance. If you live in the city, you may not get the cheapest car insurance quotes. Traffic is heavier in the city and the likelihood of an accident is higher than in the rural areas. If you live in a high-crime area, it will be reflected in a higher premium. Likewise, if you regularly park your car in area that has a high incidence of car thefts, your premiums will reflect it. Insurance rates vary from state to state, and in some states insurance rates are higher than others. If you live in a state that has a higher accident rate, your insurance costs will be higher than that of a driver residing in a state with lower accident rate. So you see, getting the cheapest car insurance quote isn’t just a matter of doing a search and going with the lowest bidder.

To cut down on insurance costs even more, consider dropping comprehensive coverage from older vehicles. Vehicles decrease in value over time. If you have an older vehicle that is totaled in an accident, the chances the insurance company paying out what you paid for the vehicle is practically zero. The insurance company will most likely pay the Blue book value, which is typically much less than what you may have paid for the car. Unless the older vehicle is an antique or classical model, you really don’t need to pay extra for comprehensive/collision coverage.

You don’t have the option of dropping comprehensive/collision coverage from new or leased vehicles because it is required by the lien holders as a condition of the loan. In this case, you should consider paying a much higher deductible if you want to lower your premiums.

You may dread the inevitable sales pitch, but talking to an agent from each of the companies you are considering can help you avoid paying more for car insurance than you should. A good agent will do everything he can to save you money on your insurance costs. He will tell you about all the discounts you may qualify for, such as good driver and good student discounts, low-mileage discounts, and discounts for maintaining insurance for a specified period of time. Speaking to an agent not only gives you an opportunity to have all your questions and concerns addressed, but it gives you a feel for the kind of customer service to expect. Be sure to ask how claims are handled and processed. You want to know what to expect should you ever have to file a claim.

Finding the cheapest car insurance quote can be a breeze once you become an informed shopper instead of a one merely looking for a low quote. Knowledge is definitely power, and when it comes to car insurance, it’s the difference between getting the coverage you need without breaking the bank or paying too much for auto insurance because you didn’t know all the facts or failed to ask the right questions. Exercising proper due diligence is the key to making your search for the cheapest car insurance quotes a successful one.