When it comes to getting the best car insurance rates, shopping online is the best way to save money. Without sacrificing quality. All of the nation’s most reputable auto insurance companies offer their policies online. Sites like this help you find which ones provide affordable car insurance for you.
Instead of going through the exhausting task of culling through the phone book, making numerous calls and scheduling office visits that burn up time, gasoline and money, using sites like ours gives you the power to make auto insurers compete for your business and give you low car insurance possible. If you are looking for affordable rates for your vehicles, you definitely stopped at the right place.
Some auto insurers specialize in covering drivers with particular driving histories, and finding the ones looking for you can help you get affordable auto insurance possible. Some insurers supply coverage for high-risk drivers and no one else.
The Best Car Insurance Companies Look For You
Even if you have a spotless driving record, taking the time to contact such a company not only means you likely have wasted your time, if you wind up buying an auto insurance policy from them, you’ve also wasted your money – and likely quite a bit of it.
Finding the right insurer for you and your vehicle is critical toward ensuring you buy car insurance value. Whether you need coverage for a classic auto, large SUV, pickup or just a family sedan, finding the right auto insurer is the best way to save money while getting the best insurance for you and your family.
Our quick, convenient and free quote tool helps you sort out various auto insurers and focus on the ones offering the best insurance value for you. Although we are not an insurance company and do not sell insurance of any kind, we make it possible for you to find car insurance value on the Internet. In less than five minutes’ time, you can get quotes from several auto insurers and take the time to research for the most competitive companies and determine the absolutely car insurance value for you and your family.
Any information you provide will be 100 percent secure and used only to get accurate quotes on the insurance coverage you need. And once you get your quotes, you are under no obligation to buy. Our site not only offers vehicle insurance but also different types of life insurance such as term life insurance.
There are so many factors that go into determining car insurance rates and rates are always changing and dependent on so many things. However, for the well informed and diligent online shopper, you can save money if you learn and most importantly apply these 4 basic tips.
Best Car Insurance Is Given To Good Drivers
The first tip is self evident and should come as no surprise: be a good driver and obey all of the traffic rules. Having driving violations and points against your record will no doubt raise your insurance rates. So if you have had a recent ticket, make sure you go to traffic school and get those points taken off your record. If you ever do get a moving violation always go to traffic school and keep your driving record as clean as possible.
In addition to traffic school, many insurers offer big discounts to drivers who have successfully taken and passed a defensive driving course. In recent years several defensive driving schools have offered classes online in conjunction with in person driving exams such as I Drive Safely, which has regional offices in several states.
Driver safety courses will more than pay for themselves and often times in the first year. Make sure you always tell your insurance agent or broker that you have successfully passed a driver safety class and ask for a discount. So having a good driving record and taking a driving safety class will automatically qualify you for some of the top rates around. Now, for even cheaper car insurance rates lets look at the other tips.
Cheap Cars Equal Cheap Insurance Rates
My second tip is to drive a car that is cheap to insure. Many people go out and shop for cars and get a low car payment only realizing too late that the insurance is cost prohibitive. Many, many people end up getting their car repossessed or struggle to make both the car and insurance payment. Use a little common sense and do your research to find out cars that are cheaper to insure.
According to a recent study conducted by Quadrant Services that compiled insurance rates from 6 large insurers such as Geico and State Farm in each state using a single male age 40, SUVs believe it or not rank as some of the most cost effective cars to insure. So as the saying goes, bigger is sometimes better. This is mostly due to the reduced risk of bodily injury in addition to the fact many people with larger vehicles tend to not speed as often.
Some of the cheapest automobiles in the study to insure were the Ford Escape, Jeep Patriot and Silverado and GMC Sierra trucks. Smaller cars are often not the cheapest because they are prone to causing major bodily harm to people involved in accidents in these small cars. Some insurers, however in recent years, are more readily willing to offer discounts on smaller cars so always shop around and get at least 5 insurance quotes and do your own due diligence.
Avoid Exotic Cars When Possible
Some of the worst cars to insure are of course the exotics. If you ever dream of having a car seen in any Hollywood action movie such as James Bond’s 007 series like the Aston Martin or Porsche, then expect to pay a huge premium for driving that car even if you are a good driver with no tickets or accidents.
Yearly insurance premiums for good drivers who have exotic cars are often $3,000 to $5,000 per year. Unless you have money to spare and expensive auto insurance wont bust your budget, stay away from them.
Exotic cars, even affordable used ones, will often become unaffordable due to the high insurance bill that is virtually automatically applied. I usually tell friends who want to buy an exotic car to go to Vegas or other resort areas and rent one for a couple of days and then go back to your boring old car and save your money.
Getting The Best Car Insurance Rates Can Be Determined By Where You Live
In recent years, where you live has become an ever increasing factor in insurers determining car insurance rates. When you get an insurance quote a huge part of the rate equation will be your zip code. If there are a lot of accidents in your zip code, especially DUI accidents, then you are going to pay a lot more. This may not seem fare that you will be punished with higher rates due to the fault of others but there is nothing you can do short of moving to another area with lower rates.
If you are planning on moving in the near future, ask you insurance agent or broker to give you the zip codes that have the lowest insurance premiums in the surrounding city you plan on moving to. This way you can get a head start on areas that are not only the cheapest to insurer your vehicle but more importantly safer.
Think about it, would you want to live in a zip code with 9 bars in a 4 mile radius of your home or apartment? No, because that in all probability means more deadly accidents and higher insurance rates. So if it all possible, try and find a place in a zip code that has a history of good insurance rates.
Saving $150 a year on your insurance in a zip friendly area does not sound like a huge money saver, but over a few years that could add up to $2,000 or more, so it might be a smart move and definitely it’s something to think about. So if you are planning on moving, be smart and choose to live in a zip code area that has low insurance rates.
Minimize Your Time Behind The Wheel
The third tip to a better car insurance rate is to cut down on your driving. Whenever you get a quote for an auto insurance policy one of the first questions is going to be how many miles a month or year you drive. The more you drive then the more of course you are exposed to potential accidents. Whether you are at fault or not almost all accidents will cost your insurance company something, so reducing the amount of miles you drive will surely cut the cost of your insurance bill.
One of the first ways to cut down on your driving is to find a co-worker who lives near you and share a ride to and from work. Not only will this save you money on your insurance bill but cut down on gas and even perhaps parking. Look at your driving habits and see what trips you can cut out. After cutting down your driving get a quote that reflects your new lower driving miles and get a cheaper rate.
Get Insurance Quotes From Multiple Companies
The fourth tip I have could save you the most money and also save you a lot of time. Get online insurance quotes from at least 5 companies. Like seemingly everything else, the insurance business is slowly shifting to an online model. Today many companies offer discounts to shoppers who buy their policy online. You could literally save up to 40% on your premium just by finding the lowest rate online.
Some companies today have actually started as online insurers so their overhead and operational costs are very low and these savings are passed on to the consumer. After you get your online quote, make sure to talk to an agent and see if there are any other discounts you can get. Sometimes there are discounts available such as active military personnel, and veterans than you might qualify for. All you need to do is ask and see if you qualify for any discounts.
I hope these four tips help you get the absolutely lowest rates and save you and your family money.
Getting The Best Car Insurance Rates
Just because an auto insurance company offers its insurance products at discounted rates doesn’t mean the policy represents the best car insurance rates value for you. Many discount auto insurance policies wind up costing even more when it comes time to file a claim and try to collect from the insurer.
That’s when you learn an invaluable lesson in the difference between just plain cheap insurance and the best car insurance rates. Cheap insurance can leave you paying the entire bill for auto repairs and medical costs, but the top rates won’t leave you stranded by the roadside or holding the bill for damages after an accident.
Getting car insurance rates many times means finding the auto insurer specializing in coverage for motorists like you. Many auto insurance companies prefer people with great credit scores, multiple vehicles and a home or two to insure. But some companies are designed more for high-risk drivers, such as new drivers, people with drunk driving convictions and people who just had their driving privileges reinstated after a state-imposed suspension.
No matter what your driving record or background might be, there likely are several insurance companies looking to provide coverage for people just like you. And when you find them with our help, you likely will find the lowest rates for you.
A Few Minutes Can Save Hundreds
Just a few moments using the free and secure quote tool can help you find the best car insurance online and save your family hundreds of dollars or more on your annual insurance bill. In less than five minutes’ time we will make your local auto insurers compete for your business to get you the lowest car insurance rates possible without sacrificing quality or service. After you get your quotes, you can research the auto insurance companies and compare their prices to determine which one provides the absolutely best insurance rates for you.
Any information you provide will be used only to get the insurance quotes you request and won’t be used for any other purpose by anyone. And after you get your quotes, you will not be obligated to buy, making it easy to take your time and find the best car insurance rates online. For more information about car insurance, check out this Wikipedia page.