Cheap Auto Insurance: How To Get One

2007-03-08 10:33:40

( Insurance )



The costs of auto insurance can deter even the most resolute car buyer. But they are a legal requirement in most states, and their importance cannot be overemphasized; you need it for your own safety and protection. Fortunately, there are several things you can do to get cheap auto insurance. Here are some of them.

Make Your Car Insurance Friendly

A safer car means cheap auto insurance. Start with the kind of car itself; minivans and station wagons are known to fetch cheap car insurance rates. Why? Because their sizes are not too big to or too small to cause or acquire damage to itself, its passengers, and other vehicles. Aside from that they have cheaper repair costs and don’t get stolen as much as other cars. Another way is to equip your car with safety gear such as anti-theft devices. Insurance companies usually give discounts to vehicles that are as theft-proof and accident-proof as possible.

Be A Good Driver

Your driving record will directly influence the amount of insurance premiums you will pay. Many insurance companies examine your driving history to determine how risky you are. So avoid getting tickets and improve your driving skills. Take defensive driving lessons and strive to be accident-free for as long as you can.

Ask For Discounts

If you have several vehicles, insure them with one company to avail of multi-line discounts. There are also discounts for vehicles with anti-theft devices, air bags and other safety gear. Students with above average school grades also get reasonable discounts from several insurers, as do drivers with clean driving records.

Buy Online

Cheap auto insurance is abundant in the internet. You can get cheap auto insurance quotes in as fast as 15 minutes. But do not just jump on the first offer you see. The internet is a highly competitive marketplace, so there’s a good chance that even better offers are available, so just keep looking.

Cheap Auto Insurance Don’ts

Do not misrepresent your driving history. You’ll only get higher premiums and even possible contract invalidation. If you really have a bad driving history, look for companies that don’t examine driving records. As much as possible, avoid buying cars with a high theft history, such as luxury vehicles, SUVs, and sports cars. Finally, do not buy a new vehicle without knowing its potential insurance costs. A cheap car will not guarantee cheap auto insurance, as other factors such as your driving records and credit rating are taken into consideration.


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