Really Cheap Car Insurance No Accident

So, you’re sitting around talking with friends when the subject of car insurance comes up. You find out some of them are paying a lot less than you are. But guess what? Really cheap car insurance is no accident. Your friends likely followed a few simple tips to get a better rate.

Understand that car insurance companies use a number of different factors to determine how much they are going to charge. Some of those factors you have no control of, such as your age and sex. Nevertheless, most of them you can control. Those factors include:

  • the make and model of your car
  • your driving record
  • your credit history and score
  • the size of the deductible you are willing to accept.

Prevention Goes a Long Way

The most important thing we can tell you about really cheap car insurance is that prevention goes a long way. In other words, just as healthy eating habits can prevent disease, good driving habits can prevent excessively high insurance rates.

Don’t believe us? Here are a couple of things to consider:

  • Accidents – Every time a driver files an accident claim it costs the insurance company money. And in most cases, claims far exceed the amount of money the customer has paid in through premiums. So every accident increases the risk your insurance company will lose money. If you have a record littered with accidents, you are going to pay more.
  • Minor Violations – When you are ticketed for a minor violation – say making a turn without signaling – that violation goes on your record. Multiple violations tell your insurance company that you are careless behind the wheel. Being careless results in higher insurance premiums.
  • Major Violations – It goes without saying that the most serious violations not only result in higher premiums, they can bump you into a high-risk pool. These serious violations include DUI/DWI, leaving the scene of an accident, and allowing your insurance to lapse.

It Pays to Shop

One of the dirty little secrets of car insurance rates is that there is no standard by which everyone is equally charged. In other words, you are rated on each of the individual criteria an insurance company uses to determine premiums. Those ratings are entered into a complex mathematical formula based on statistical data.

The use of such formulas should make it clear that insurance rates will vary from one company to the next. The variation is what makes it possible to get really cheap car insurance if you are willing to shop around.

How do you shop around? The old way of doing it was to contact a local independent agent and let him do the searching for you. The problem here is that independent agents are bound to a small handful of companies they have agreed to work for. That limits your choices.

Another method is to contact individual insurance companies and ask for quotes from each one. That’s not likely your favorite choice, is it? Probably not. Contacting individual companies is a time-consuming hassle you do not need.

One-Stop Quoting Online

As it turns out, the best way to shop around for really cheap car insurance is to use an online quote sites like Here you take just a few minutes to fill out the form, then submit it and wait for the quotes to come to you. There’s no faster and easier way to do it.

Really cheap car insurance is no accident. However, you will not get a great price if you don’t go searching for it. Our search tool is available to help you right now; enter your zip code to get started.

Tips for Getting Discount Auto Insurance Premiums

Having to pay auto insurance each month can add up quite quickly for any driver. If you know what to look for and how you can save money, you might find that it can be much more affordable than it had been in the past. Use the guide below to assist you in getting great discount auto insurance premiums and learn about some of the popular discounts available for auto insurance.

If you have more than one vehicle, you might already know about the multiple car discounts. Additional cars on the policy may seem like they would cost you more than double what you pay, but in reality, it can be very affordable. You will likely pay only about twenty-five percent more for your policy with a second car on it. This, of course, depends on the vehicle that you add to your policy.

Check with your employer, credit union or travel club to see if there are any discounts available through them. You may find that they offer insurance through a particular company at a substantially lower rate. Oftentimes, these are insurance companies that are well known and a great history for customer service.

If you own or rent your home, own a boat or RV, you might be able to save some money by combining all of your insurance policies to one company. Multiple policy discounts can add up to be quite a bit of money each year. A common discount is about twenty percent off your homeowners insurance if you carry it through the same company as your auto insurance.

Do not be surprised when you get a letter from your insurance company shortly before or after your twenty-fifth birthday. You will save a percentage each year once you reach this milestone. If you do not receive a letter, be sure to contact your insurer to be sure this discount is applied.

Having a clean driving record will make you eligible for the safe driver discount. Many times, this discount is applied if you have gone more than four years without any accidents or violations. If you are unsure about how long it has been since your last incident, contact the DMV of your state and request a copy of your driving history.

Having an alarm system and GPS tracking unit on your car can save you quite a bit of money each year. Most cars come equipped with anti-theft already on them, if your automobile has an anti-theft system in it, you will qualify for a discount of around five percent. It does not sound like much, but when you are paying several hundred dollars each year for your auto insurance, it will add up to be a good bit of money, so be sure that you are getting that discount auto insurance on your policy.

Completing a driver’s safety course will help you save some money. Discounts vary from insurer to insurer, but it will be worth the investment of the course either way. The safer driver you are, the less accidents you will have and the cheaper your insurance will be in the long run anyway.

Many times, your insurance agent will go through each of these discounts as well as any others that may be available for you. If they do not, make sure to inquire about each one to be sure you are not overpaying for your auto insurance.

How to Get More Affordable Car Insurance

Your bills and grocery shopping cutbacks aren’t the only definite ways to save you some money. Finding an affordable car insurance company that doesn’t charge an arm and a leg each month can be a great way to cut some costs. This article will help you find an auto insurance company that can provide you with an affordable policy.

Make sure that you are getting the cheapest rates that you possibly can be. Grab your local phone book and gather the phone numbers of different auto insurance companies. Give them each a phone call and ask for a policy price quote over the phone. They may ask for some information, so it is important that you feel comfortable giving out private information over the phone.

The Internet is a much easier solution for policy rate comparison shopping. Many people choose to use this method, as oftentimes you only have to fill out one form to get several quotes. Most websites on the Internet protect your security and you may feel safer typing out your information on a website, than giving it out over the phone. You will get your prices displayed side by side, which gives you a much easier chance to compare your given quotes.

If you have a very tight monthly budget for your auto insurance, consider getting the basic coverage. Chances are, if you are a pretty safe driver, you won’t need an excessive amount of coverage anyhow. Choosing to get the state insurance minimum, you will save quite a bit of money each month.

Take advantage of all the discounts that the car insurance company offers. There are numerous discounts offered such as good driver discount, military and student discounts, as well as a safe driver discount. Ask the company you are looking to sign with which types of discounts they offer and consider which ones will apply to you. By applying all of the discounts that you are entitled to, you will receive a significantly more appearing car insurance quote.

The less mileage you put into your vehicle each year, the less your car insurance policy costs each year. Talk to your agent and let him or her know, how much you drive on average each year. This can help you get an accurate car insurance rate that will significantly cost you less.

Believe it or not, but your credit score often determines how much you will pay for your car insurance. A recent study showed a correlation between individuals with a low credit score and the tendency to receive tickets or drive poorly. This many not apply to you, but it is always advisable to manage your personal finances well to not only increase your credit, but lower insurance rates.

Finally, it is always important to investigate all potential discounts that may apply to your purchase of a new policy. Many insurers offer discounts for those who insure multiple vehicles or their home with the company. It is also frequently possible to receive discounts through membership in professional organizations or other types of affinity groups. Regardless of the sort of discount for which you may be eligible, by doing your research, it is generally possible to shave at least some money off of your final policy cost.

You can save money on your automobile insurance in more ways than one. This article discussed some of the common methods of lowering your monthly car insurance. Use what you have learned today to get the most affordable car insurance and keep more money in your pocket!

Top 5 Factors To Consider When Getting Low Cost Car Insurance

Top 5 Factors To Consider For Getting A Low Cost Car Insurance!

Are you interested in finding out more about low cost car insurance quotes? Well, then you have come to the right place! You can actually find hundreds of affordable insurance all over the Internet. However, it might not be a good idea to purchase an online insurance policy right away, simply because it is being offered cheap. You must typically shortlist a cheap vehicle insurance coverage if it is the best insurance for you. You must know that carrying out some research is fairly critical. You must be well informed!

Here’s a List of The Top 5 Factors For Getting A Low Cost Car Insurance:

1. Making An Informed Decision

You ought to have basic knowledge on all of the low priced policies, or at least majority of them, if not all. There are several aspects that needs careful consideration prior to buying a reasonably priced auto insurance. These include deductibles, premium payments, paperwork involved and more. In order to better understand the basics of an automobile insurance market, you must be extremely prudent with your decision prior to purchase of the insurance policy. This will help you to make an informed decision in the end and get the lowest possible quote.

2. Understand The Key Regulations of The Auto Insurance industry

Remember, insurance rates could vary from state to state as well as among various auto insurance companies. Hence, you must be aware of the rules and regulations of the auto insurance industry. Identify factors which could impact the rates.

3. Shop Around For Low Cost Automobile Insurance

Insurance rates could be significantly different among different insurers. Every insurer will have their own method of classifying their customers and their vehicles to arrive at a specific rate of auto insurance premium. What one insurer will consider as high risk factors may be considered as a negligible risk according to another company. You must opt to shop over the Internet for cheap quotes. You simply have to answer a few questions online and the insurer will immediately classify you as per the quote you belong to based on the details provided by you.

4. Purchase A Lower Priced Group Vehicle

Your type of car may also affect the insurance premium rates. Certainly, a high priced car has an expensive insurance premium due to the fact that this can demand a high cost insurance claim. Select a car from the lower group in case you wish to get a relatively cheaper quote. Since these cars have lower maintenance and are extremely fuel-efficient, you are also able to save more.

5. Policy Price Quotes Affected By Timing

The price of your policy will be greatly affected by the time when the quote is received and also when the insurance policy was bought. Companies tend to utilize advanced purchasing discount and advanced quoting for new customers. Don’t wait until your policy expires in order to switch. Any lapse can reduce or even eliminate discounts.

Keep in mind, when you are seeking a new or renewed auto insurance quote, you must understand how exactly you could save money in order to receive a low priced insurance!

Comparing Quotes for Cheaper Car Insurance Coverage

Most vehicle owners do not know that they can get cheap car insurance. The truth on the other hand is that, affordable automotive insurance does exist and is achievable. All that one has to do is to plan and conduct a well-structured research on auto insurance companies in their areas. If you want to compare cheap car insurance, you can do it by either visiting the companies or by using online insurance quote tools.

When visiting the insurance companies, you get a chance to speak with the agents who explain to you what the company has to offer. You should ask the agents whether they have low priced insurance deals. Insurance companies for example offer low cost insurance deals to motor vehicle owners who have anti-theft systems on their cars. The automobile owners in this way are able to enjoy affordable insurance deals once they install such systems on their vehicles. As you move from company to company, take their quotes and then assemble all of them on your table to compare.

In making your comparisons, you need to look at what the companies are offering and also consider what you want. The status of your car also plays a key role. The motor vehicle could be old, of a certain make and serves a certain purpose. You have to weigh all these factors before committing yourself to any policy.

The other way to compare cheap car insurance is by use of the online insurance quote tools. The Internet has come to save people in the 21st century a lot of hassles. Comparing motor vehicle insurance deals need not be a pain on your neck. All you need to do is sit in front of your computer and use quote tools to get insurance information. The quote tools sends your requests to insurance companies in your area. These insurance companies will react by sending you emails with detailed information of what policies they offer. Print out this information. Printing will save you from switching from one web page to the other as you try to get the best insurance quote. You can then sit back and compare the auto insurance policies of the different companies that you have printed out.

As you carry out your comparisons, you should be wary of entering a deal that looks very promising only to get sour later on. Check what each policy covers. Do not be tempted into the trick of accepting a cheap insurance policy only to realize that the policy does not cover things such as theft of the automobile. Sometimes, the cheapest insurance deal may not be the best!

Very cheap vehicle insurance is achievable if you maintain a good driving record, install anti-theft alarms, air bags and seat belts. Sometimes, taking yearly policies is relatively fairer than taking six-months policies. As you compare cheap car insurance, it is also prudent that you compare the minimum liabilities, collision insurance, comprehensive insurance and gap coverage. You should also carry out a cost benefit ratio on the yearly deductibles.

Cheap Car Insurance Rates – Secrets Revealed!

It is always inevitable that you would want to be practical when you are buying goods and services where inflation and financial crisis are very common in this modern era. The only way to find cheaper goods and services are through online, especially if you are searching for auto insurance. Practical people consider this way because they know that most companies online offer discounts and promos to their customers who sign up for their policies and premiums.

The internet allows you a better comparison when it comes to rates offered by these companies and you can gather as many data as you need. The premiums and prices for insurance policies also differ, so it is up to you to decide which one suit your needs and preferences the best.

What are the tips for finding cheap car insurance rates?

Normally, you are searching for auto insurance online so that you can find cheap car insurance rates. Take note that online is the goldmine of information, so finding, as many tips as, you can is possible. Fortunately, there are many available out there, so you simply have to take time finding it. However, you must consider several tips first before you start your search, and these are as follows:

1. Get only what you need – companies of auto insurance will try to sell you on as much premium and coverage as they can. They will seek in increasing the limits of your liability, add options to your coverage, and reduces deductibles. You must know beforehand what you need versus those you do not need if you consider these up – sell options. Begin this by knowing the minimum requirements for applying the insurance in your state. This would be the liability coverage with specific limits, so you must list first all your needs before considering the pick any insurance companies.

2. Research before you purchase a car – this means that you have to research the vehicle cost of insurance before you buy it, so you already know what vehicle you should purchase so that you can avail any insurances. Make a list of vehicles you consider, and then research each to find out how expensive their insurances are. Bear in mind that the policy on your vehicle always plays an important role of your auto insurance overall cost and make sure that you go for those vehicles that are affordable to ensure if you consider those cheap car insurances.

3. Research discounts – auto insurances have discounts that can save you tons of money not only on your insurance premiums, but also to your coverage and other insurance options. You will have a several discounts you can qualify and avail. You should research what discounts are available to the insurance company you are considering and their qualifications. Remember that there are small discounts available that can add up to your big savings.

There, you have it! Finding this rates is easy, simple, and possible. Just follows those things mentioned above and nothing could go wrong. Just remember to get quotes and never stop looking on how you can save on car insurance. As a result, the internet is the source of getting the cheap car insurance rates!

An Overview of Cheap Car Insurance and Seven Tips on How to Get It

Cheap car insurance is a necessity nowadays for those who have cars. Many states require drivers to have insurance for their cars, and that is where affordable insurance comes in. Moreover, you can derive many benefits from car insurance. In case of accidents, the following may be reimbursed, depending on your coverage:

– Damage to your car
– Damage to other cars involved
– Damage to other objects involved in car accidents
– Bodily injury
– Theft
– Fire damage
– Flood damage
– Renting costs (when your vehicle is damaged and you need to rent a car)
– Towing costs (when your vehicle is damaged and has to be towed to a repair shop)

In general, the wider your coverage, the safer you will be from car-related risks, but the more you will have to pay in monthly premiums. However, with plenty of vehicle insurance companies out there, you can easily look for an affordable policy that satisfies your needs as a car owner and driver. Here are seven tips that can help you in looking for cheap insurance for your car:

1. Reduce your risk.

The greater a risk an insurance company deems you and your car, the higher your monthly premiums will be. Ways to reduce risk include putting up alert devices for your car in case of theft, buying a car with highly effective safety features, having a clean record when it comes to driving, and keeping your car in top shape.

2. Shop around for quotes before settling on your choice of inexpensive car insurance.

There are many car insurance companies showing off their goods online and offline nowadays, so you have the luxury of choice. Know what you want first from car insurance companies, look for advice on what your vehicle insurance policy should have, and find the cheap car insurance policy that satisfies your needs.

3. Decide on a reasonable deductible amount.

A deductible is an amount of money which you will shoulder in case you need to make a claim. For example, if $1000 is the deductible, then you will cover all damages less than $1000. If damages are greater than $1000, then you will cover the first $1000 and the insurance company will cover the rest. A deductible of $1000 is reasonable; it is an amount that many people have in their savings account and it can allow you to get sufficiently low-cost car insurance (the greater the deductible, the lower your monthly premiums).

4. Scout for discounts as much as possible.

If you are a safe driver, you are highly likely to qualify for discounts. Having low car mileage is also a good prerequisite for a discount. You can also possibly get discounts by combining multiple car insurance policies. With discounts, your monthly premiums will be lower than usual, so you can get some savings. Students also usually have car insurance discounts

5. Keep your credit rating high.

You are required to pay monthly premiums, so insurance companies inspect your credit rating to determine your ability to pay. Ways to keep your credit record in top shape include paying any monthly payments on time, using your credit cards wisely (by not spending them unless it’s absolutely necessary), and trying to be debt-free as much as possible.

6. Take a course in driving education, and let your insurance provider know about it.

(NOTE: This is a course for people who know how to drive already – it does not give you driving lessons.) Educating yourself more about driving will lead the insurance company to believe that you are not high-risk, thus leading to lower monthly premiums.

7. Keep your car in your garage when not in use!

In a garage, your car will be less prone to thievery and damage from forces outside your home. You also don’t have to remove ice from your car when it’s winter time (and note that ice can cause damage on occasion). So clean your garage if you’re not using it for other important uses and then keep your car there at night.

Following these seven tips will ensure that you will find the best deals regarding car insurance and be adequately covered in case something terrible happens involving your car. Cars are necessities for many people, and if you are one of them, you have to be ready for anything surprising that happens to it, and the way to do that is to get cheap car insurance.

Getting Cheap Car Insurance Coverage

Apart from it being a requirement in most states, it is crucial for car owners to get insurance due to many unforeseen circumstances such as accidents and theft. It can be very overwhelming to shop for auto insurance and it might lead to you spending more than you had anticipated. Nevertheless, it is possible to spend not more than you can afford and want. All you need to do is get yourself a cheap car insurance, which will offer you all the coverage you so desire for years to come, leaving you safe and happy. Below are ways to cut cost and obtain you an affordable automobile insurance.

How to get Cheap Car Insurance

Get theft devices – currently, most new cars are installed with theft devices. Some require that you start them by touching a button, while others are automatic. However, irrespective of the model of the device, they all enable you get discount on automobile insurance. In addition, some states offer extra discount for things like window sketching.

Multiple car discounts – it is very interesting to note that insuring more than one car with the same company can be equal in terms of cost to insuring one. Most reputable and reliable auto insurance companies offer this discount. It is therefore wise that while you are getting an online insurance quote, or confirming with your insurance agent, to ensure that you seek companies that offer this discount and get it. In addition, if you want to sell your second car and still get a low cost automobile insurance, the trick would be to maintain the car on liability so as to get the discount (multiple car discounts).

Go for yearly policies – I recommend buying yearly policy to six months policy because it offers your rates, which do not change for one year, compared to 6 month policy that change after every six months. This will help you extend your savings on insurance.

Usage based auto insurance device- plugging this device to your car will enable you transmit your driving statistics to the company that has insured your vehicle. This way, they will be able to base your rates depending on how good your driving is.

Make comparisons – before picking on an insurance company for your vehicle, it is important that you contact different insurance companies and compare prices. This you can do via the internet or over the phone. In order to obtain an accurate comparison, include identical policy options and coverage. Compare the companies’ prices and get the one that offers an affordable coverage, which adequately covers your insurance needs.

Factors that Affect your Eligibility for Cheaper Car Insurance

Size and cost of your car – expensive cars usually attract high insurance rates due to the high cost involved in purchasing its spare parts or repairing its components. In order to obtain the cheapest vehicle insurance, go for a cheap and sturdy car that will lower your premiums.

Driving record – insurance firms give discounts to good drivers. This is because having a good driving record portrays you as a safe driver and not prone to accidents. In addition, multiple speeding tickets give the opposite impression, that your driving is not safe. To them this means that you are a road risk; chances of you getting into an accident are very high and your premiums are therefore likely to go up with every violation.

Age – compared to older drivers, teen drivers usually get higher rates due to their relative inexperience. Nevertheless, there are companies that offer to give them discounts in case they successfully pass an advanced driving course. On the other hand, if you are 50 years and above, you can sign up with an association of retired persons, who will enable you, get low rates because of their links with many insurance companies. The older persons have a lot of driving experience and are more careful; therefore usually get low rates.

Credit rating – most insurance companies check your credit score and depending on what they get, base your policy. It is therefore important that you maintain a clean credit history or keep it in good shape because the lower your credit scores, the lower the chances of getting a discount or the higher your insurance rates will, as you are considered risky.

The only way to ensure that you get the best vehicle insurance deal is by carrying out a thorough research. Nevertheless, make sure that you do not compromise the coverage you get when you acquire low cost vehicle insurance.