There are a number of ways in which one can get cheap online car insurance quotes. Perhaps the best way to get a good online insurance quote is to use a site that provides quotes from a number of insurance providers. Comparison shopping, as it is commonly known, enables one to see at a glance which insurer offers the best possible deal. Following are some more tips on getting cheap vehicle insurance online.
1 - choose the right car
Getting cheap auto insurance starts with choosing the right car. In fact, one may want to look up insurance quotes for various car models before setting out to buy a car. Alternatively, one may want to purchase a second hand car as opposed to a new one. New cars, especially new models, are always quite expensive to insure.
2 - install security and safety features
Before working with an online car insurance website, one should have safety and security features installed in the car. A car with a good alarm system will always be cheaper to insure than a car that does not have an alarm system. Adding an immobilizer to the car may also be worth the cost in many instances. Additionally, a person buying a car should make sure that the model chosen has a good safety record.
3 - be careful who you add
In some cases, adding one or more drivers to the insurance policy will make the prices go up. A lot depends on the record and age of the person being added. Generally speaking, however, any added driver under the age of twenty five will cause a dramatic price increase in insurance costs. A person who has to add one or more young driver to his or her insurance policy should check out insurance agencies that specialize in providing affordable auto insurance to young drivers.
4 - choose minimal insurance
A person with a limited budget should only purchase the minimum amount of vehicle insurance required by law. The laws regarding auto insurance vary from state to state; one will want to contact the Department of Motor Vehicles in his or her state and get familiar with what the requirement are. While additional forms of insurance are good and helpful to have, they are not near as important as mandatory car insurance. Minimal auto insurance generally covers the cost of repairing a vehicle that has been hit by another driver. It will also cover medical expenses for injured persons should the policy holder cause an auto accident.
5 - raise the deductible
When checking out vehicle insurance costs, one will always be asked about the deductible. The deductible is the amount which one will pay out of his or her pocket should a car accident occur. The higher the deductible, the cheaper the insurance quote will be. However, a driver should also realize that he or she will not be able to claim much compensation should a car accident occur.
6 - set annual mileage
One should take the time to consider how much mileage he or she will put on the car every year. A car with high yearly mileage will be charged a high insurance rate, while a person who does not drive his or her car all day long will not have to pay an overly high insurance rate. It pays to reduce car travel time by carpooling, taking public transport on occasion or even walking or biking.
7 - consider driving routes
Many people do not realize that driving in certain parts of town will raise insurance premiums. Insurance companies analyze statistics and they know which parts of town have high car accident statistics or car robbery statistics. One's home address will also have a bearing on the cost of vehicle insurance. To keep insurance costs down, one will want to choose safe parts of town to drive through and park the car in a safe location.
summing it all up
Getting online car insurance quotes is the best and easiest way to find an insurance agency that will provide the needed auto insurance at the best possible price. However, there are also numerous other things which can be done in order to obtain cheap auto insurance.
Obtaining cheap vehicle insurance starts with choosing the right car. Some cars are cheaper to insure than others. Ideally, one should select a second hand car that has a good safety record and a number of safety features already installed. Keeping a low mileage on the car, adding no or a minimal number of additional drivers on the policy, driving only in safe parts of town and raising the auto insurance deductible are some other ways in which one can get cheap auto insurance.
While it may take some time to find the best insurance quote, even when using an insurance quote comparison site, it is time well spent and will often save one a lot of money in the long run.