Where to Find and Get Cheap Auto Insurance?

Where to find cheap auto insurance? Surprisingly I still see this question asked often on the Internet forums and boards. We all know everyone wants to save money and get the cheapest auto insurance policy that best suits their needs. In my opinion, overpaying for insurance is basically flushing money down the toilet, so doing research and finding the cheapest auto insurance policy is very important.

Cheap auto insurance can be found from various different sources online. There are many insurance sites that you can simply just enter in your information and they will give you quotes from all the leading insurance companies willing to insure you. The best part about this is that you won’t need to look through the phonebook and call around dealing with pushy and aggressive insurance agents. It will also save you a lot of time and effort since you can get a quote within minutes.

You’ll notice that every auto insurance company has different rates. Different insurance companies will place different values on risk factors, for example such as age, driving record etc. Now that you have your cheap insurance quotes you can make insurance companies compete for your business. You can call your preferred insurance company and tell them to match the price of their competitors or you can even call your current insurer and threaten you’ll switch companies if they don’t lower their rates to the quote you received from their competitors.

Some other factors that insurance companies consider when giving you a cheap auto insurance rate is your age, the car you drive and your driving record. Chances are, if you are young, under the age of 25, your insurance is going to be slightly higher then someone who is 50. The more “good” driving experience you have, the cheaper your insurance will be.

The car plays a big factor as well. Having the right car will help drop your insurance rates down significantly. Having the right car means that your car has excellent safety ratings, a good anti theft security system and isn’t easily accessible by thieves. Vehicles are also classified to how often that particular make and model gets in an accident. The higher the accident rating, the more the insurance goes up. Sports cars with high horsepower will typically have higher insurance rates as well, but this is not always the case. Classic, specialty, and exotic cars can have a different type of insurance. Some of these insurances you can buy for these cars limits you to only bringing the car to shows and back.

And lastly, most important is your driving record. Almost all insurance companies are going to look at the history of your driving record before they give you an insurance quote. Some insurance companies are going to be stricter on this factor then others. There will even be some companies who won’t insure you if you have multiple violations. Having any kind of violation such as an accident or speeding ticket will make your rates go up. Being a safe driver with a clean driving record is a good way to save money on your auto insurance. Many companies also offer discounts for drivers with a clean driving record.

The truth is, attaining cheap auto insurance is very simple and easy as long as you do your research and compare. However your driving record looks like or whatever coverage you need, getting cheap auto insurance that fits your needs is plain and simple!

Teen Car Insurance Rates For Girls

When it comes to teen car insurance rates, girls have an advantage over boys. Statistically, they are viewed as safer drivers. This may or may not be true for your particular blossoming driver, but in the eyes of the insurance rate formulators, this translates into lower premiums for a teenage girl than a teenage boy alike in every other facet but gender.

This fact doesn’t mean that there aren’t additional ways to lower teen car insurance rates for your female driver. You shouldn’t simply rest on your laurels, knowing that a lower rate will be offered based on driver gender. You should look for real savings by requesting multiple car insurance quotes.

In addition to differing dramatically by gender, rates also differ dramatically by company. You can find several hundred dollars difference between identical coverage packages based solely on brand name. This is one of the reasons that you should always request multiple insurance quotes before buying any insurance package.

Quote requesting can open your eyes to relatively unknown companies who may be able to save you big money over a brand name firm. You won’t be supporting advertising margins or a large agent network. Instead, you will just be supporting affordable coverage for your little angel.

It can be a little time consuming to get multiple quotes, as you will need to wait a day or two to get all of your quotes in from the various companies. However, by having multiple companies to chose from, you will be able to save more money than you would by simply going with a company whose name you’ve heard on the radio or seen on TV. This cost savings will make the time you spend getting teen car insurance quotes well worth the effort and extra waiting.

Car Insurance Rates – The Best For Less

The cost of your car insurance policy is not an indication of its quality. Although you can’t get the best without paying for it, you can pay a lot more than you should for an insurance policy. What if there’s a way for you to get your present insurance coverage for less? Read through carefully to see how you can save on car insurance.

Anybody who likes shopping knows that it’s the way to get great deals on anything. It makes no difference whether you want to buy a house or get a contractor to help you fix a few things. The difference, however, is that while the margin in many things could be low, in car insurance you can save over $2,000 depending on how you shop, what you shop for and what your profile is.

Why is this so? Insurance companies use certain factors to determine a person’s risk. However, they all have different views of how much each of these factors indicate a person’s risk level. What an insurance company calculates as the risk involved in insuring you is what determines your rates.

Therefore if you check with five different insurers, you’ll get 5 different quotes for the same profile and policy. Differences in rates could be as small as $50 or as much as $2,700!

This means that if you know how to shop and where to shop for quotes you can get as much as 50% or more off your current auto insurance costs. This can be a time-consuming process if you attempt to do it by calling up different insurance agents and getting quotes from them.

Thankfully all you have to do now is visit specialized sites for your quotes. These sites ask for simple details that will help determine your profile and desired coverage. You’ll be done with each site in around five minutes and for that you’ll have up to five quotes if you use certain quotes sites.

If you want to save much more then you have to do more: Visit more of such sites. The reason is that doing this will make you get more quotes thereby reducing the odds that you’ll miss out a great offer not presented on any of the other sites.

If this will take you a total of between 30 minutes and one hour isn’t it worth it even if you only save a few hundred dollars?

But what if your profile and policy are such that might attract savings of over $1,000? A young man saved $2,644!