Cheap Auto Insurance Quotes – Wondering How You Can Get It?

Wondering how you can get cheap auto insurance quotes? Some people might think that it is hard to get cheap auto insurance quotes but the truth is it is actually a very simple process once you know how to do it. There are a few simple steps to get cheap auto insurance quotes. Follow these steps and cheaper quotes will be in your hands in no time.

1. Inform your agent about your marital status once you are married. Two married people can purchase their auto insurance policy together, thus spending less money and might also be eligible for additional discounts. Married people also carry heavier responsibility for their family than someone who is single and this explains why they are usually more careful drivers. Your insurance company will normally offer you cheap auto insurance quotes once you are married.

2. If you have passed certain age, normally 55 years old in most states, you will be eligible for discounts for senior citizens. You should do the same thing as above, inform your agent once you reach 55 years old and prepare to get cheap auto insurance quotes that you are applicable for. These discounts can help you to save a lot on your premiums most of the time.

3. Select the vehicle that you want to insure carefully. The sticker price is an important determinant of how much you will be quoted. Repair costs will also affect your quotes. Imported vehicles from foreign countries are usually the types of vehicles that are expensive to insure regardless of the model year. Besides that, check your vehicle to make sure that it is equipped with safety features. Many states require insurance companies to give cheap auto insurance quotes to people having vehicles with safety features such as anti-lock brakes and air bags.

4. Get higher deductibles. Many people make the mistake of insuring their vehicle more than what they worth. Increasing the deductible amount can help balance the coverage to value ratio and helps you to get cheap auto insurance quote. Tell your insurance agent that you would like to raise your deductible and they will settle the rest for you. However, please be cautious to take up only the amount of deductible that you can afford.

Car Insurance Rates – Why Do They Fluctuate?

When you buy the same car that your neighbor has but still pay more for your insurance, it is bound to leave you frustrated. However, you should know the different reasons as to why this happens. There are a lot of explanations for this phenomenon and an understanding of the same might perhaps help you figure out as to why you might end up paying more for your car insurance compared to the others. If you want to learn more about the reason car insurance rates vary from one place to another, you might want to continue reading and try to improve your rate somehow.

Credit history

An important reason for the insurance rate to waver would be because of your credit history. Hence, if you have skipped bills and not made payments on time, you are more likely to pay more for your car insurance compared to others. People with poor credit rating are much more likely to be having significantly higher car insurance rates compared to others. Hence, make sure that you take care of your finances and make all the payments on time to avoid getting penalized for this later on.

Driving record

If you are someone that has had too many accidents I the past, it is quite likely that you are going to be paying more for your car. Insurance companies view drivers with accidents in the recent past as risky individuals, which is why they are made to pay amongst the highest car insurance rates. If you want to be sure that you wouldn’t want to be in this group, then you should be more careful on the road and always obey the law. Getting too many tickets and violating the law while using your vehicle will all contribute to an increase in your insurance rates.

Gender and Marital status

You might find it hard to believe, but there are certain parameters that are true in your case which might be working against you when it comes to car insurance rates. These includes things like gender and marital status, both of which are used in determining how much money you might be coughing out for your insurance on a regular basis.

Men pay higher than women and divorced or single men always pay more than their married counterparts. These rates are based on statistical data available with insurance companies which indicate the kind of people that might end up paying more for the insurance than the others.

Hence, now that you have an idea about how insurance is computed, you might be in a better position to determine whether or not you are paying more for your car insurance. In most cases, it might be easily determinable by just getting multiple quotes. However, at other times, you might have to do a little bit of research before knowing for sure about whether or not your rates are the best in the market. If for some reason you feel that your car insurance rates and cheap car insurance are higher than normal, you should consider switching and opting for insurance coverage from some other company.

Cheap Auto Insurance in Canada!

If you have family or friends who have cheap auto insurance in Canada, you might think that they have acquaintances in the industry or they are just plain lucky. If you are thinking like that, you have yet to discover the real secrets to cheap auto insurance in Canada. Read on and see how you can save on your premiums.

1. Compare the rates – Remember how consumers are always educated on shopping around before buying anything to get the best deal? We often shop around and compare prices before we buy our clothes, cars or even houses. However, when this comes to buying auto insurance, we would just pay whatever rates offered by insurance companies. This is because we often thought that the rates are same between companies. This is totally a false belief as the rates between companies can vary as much as $1000 sometimes! You will never get cheap auto insurance in Canada if you do not put any effort to compare the prices. Therefore, start going around and research the companies before you take up any policies.

2. Raising deductibles – A deductible is the amount of the claim that we have to pay before our insurance company pays the rest if we are involved in an accident. We usually take the lower deductible because we do not want to pay so much when we file claims. However, when you opt for lower deductible, you will get higher premiums that cause you to pay more than the amount of a higher deductible. This is because we do not involve in accidents every single day. So why not pay higher deductible to save more money in the long run?

3. Be careful when you drive – Accidents are unavoidable but we can prevent it from happening. When you are involved in more accidents and get a lot of speeding tickets, all these go into your driving record and leave some bad marks there. When insurance companies review your application for auto insurance, they will look at your driving record first. If you do not have a clean driving record, it is hard for you to secure cheap auto insurance in Canada.

4. Discounts – Get all the discounts that you are applicable for and cheap auto insurance in Canada is sure to be yours. Most of the time, insurance companies do not give out the discounts without you asking for them. If you know you are eligible for certain discounts like multi-policy discounts, open your mouth and ask from your insurance company or you will lost the chance to secure cheap auto insurance in Canada.