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Each car owner will have their own unique way to find the lowest cost car insurance. There will be different factors most drivers will need to work with. Some of these can include the state you live in, your age, the type of car being driven and your credit history. However, there are several areas all drivers can pursue to find the lowest prices on auto insurance. We will review the most important, maximizing discounts, finding the lowest auto insurance company, arriving at the right coverage and leveraging your driving profile. If you search for low car insurance rates, low car insurance quotes and online insurance quote car you are in the right place

Tuesday, January 31, 2017

Lowest Cost Auto Insurance

Each car owner will have their own unique way to find the lowest cost car insurance.  There will be different factors most drivers will need to work with.  Some of these can include the state you live in, your age, the type of car being driven and your credit history.  However, there are several areas all drivers can pursue to find the lowest prices on auto insurance.  We will review the most important, maximizing discounts, finding the lowest auto insurance company, arriving at the right coverage and leveraging your driving profile.

Lowering Rates with Discounts

An easy way to decrease prices on vehicle insurance is to take advantage of all available discounts.  Some of the best discounts available include:
  • Paying Policy up Front – Most insurers will require car owners to sign up for a 6-month policy.  By paying your premium in one installment, prices can drop up to 10%.  For owners needing to pay in monthly increments review our no down payment auto insurance.
  • Mileage Will Help you Go Low – We all have monthly expenses, such as gym memberships or other clubs where we pay monthly fees, and we don’t get full use out of them.  Look at your mileage as variable expenses and pay lower insurance the months you drive less.  Or even better, focus on ways to drive less, such as ride sharing, working from home or taking public transportation.  Utilizing mileage discounts can decrease car insurance by over 40%.
  • Safety Saves - Insurers like to provide discounts for safety devices.  Lower priced rewards can range from air bags, anti-lock brakes or anti-theft devices such as alarm systems.  Don’t forget to list all of your safety features when filling out a new quote.
  • Young Drivers – The risk profile of young car owners will be the highest among most drivers due to lack of experience.  To learn more ways to save visit ours under 18 or under 21 review.
  • Combining Policies with 1 Company – This can mean grouping your homeowners or life insurance with one company.  Savings by bringing policies together can be as much as 10%.

Having the Lowest Priced Driving Profile

We will all have different risk profiles based on all of the different questions insurance organizations will ask us when completing a quote.  Vehicle insurance will be directly tied to the level of risk you carry as a driver.  To improve your insurance score and locate inexpensive rates there are some common things all drivers can do:
  • Improve Credit Profile – Most states in the US will permit insurers to access credit information to arrive at an insurance score.  Improving payment history and cleaning up your credit score is an excellent way to lower auto insurance.
  • How States Use Driving Records – Each state will have their own regulations on how driving records can be used to calculate your insurance premiums.  It is helpful to be aware of your past driving record and also how the state you live in uses past violations.  Visit Best Car Coverage to see details by state and how to leverage your driving record.

The Lowest Cost Insurance Company

Another ingredient to low-cost auto insurance is finding the right company.  Based on the state you live, the discounts being used, coverage amounts and your driving profile the best company can vary for different car owners.  What can one do to find the most affordable auto insurance?
  • Get Multiple Quotes – The lowest cost company one year may well be the highest priced the next year.  This can be related to a high level of claims being filed or the company not managing their operating expenses well.  For this, it makes sense to get multiple quotes to see who can provide the lowest pricing.  It is a good idea to get in the habit of keeping you existing insurer honest by getting updated quotes every 6-12 months.
  • Is Customer Service Important? -  If you are in an accident and need to file a claim, do you want to work with a lower established company who has weak customer support?  There is a frequently a trade-off to get the lowest prices and not receiving the best customer support.  If this is important, it will be best to work with the most established companies.  This can mean accepting the lowest quotes from one of the top companies, such as State Farm, Allstate, Geico or Progressive.

The Right Coverage at Low Pricing

The final element to inexpensive priced auto insurance relates to coverage levels.  Obviously, the least amount of coverage will equate to lower prices.  A couple important points on coverage:
  • Minimum Car Insurance – Make sure you are carrying the minimum amount as required by the state you live.  Our reference under driving profile reviews locating the right coverage based on where you live.
  • Protecting Assets – Everyone will have different insurance coverage.  It is recommended for most drivers to carry more than the minimum requirements.  We live in a litigious society and being in an accident can result in a lawsuit where your income or assets are exposed.  It is always a good idea to carry enough coverage to help manage the risk you carry while on the road.