Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 26, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • The cost of insuring an older car may differ from insuring a new make and model
  • Before buying coverage for your car, it is important that you understand how this type of insurance works
  • If you take the time to do proper research and compare auto insurance quotes from multiple companies, you might find a cheap policy that offers great coverage for your old car

Buying automobile insurance for an old car is slightly more expensive than insuring a new vehicle. The good news is that there are many ways to reduce costs and get affordable auto insurance rates.

Shopping around and comparing auto insurance quotes from different companies is the first step in finding a competitively priced policy.

With so many car insurance providers and independent agents located all around the country, your options are now more plentiful than ever before.

Save on car insurance quotes with our FREE comparison search! Enter your zip code above to get started now!

Learn More about Car Insurance

 

Before buying coverage for your car, it is important that you understand how this type of insurance works. If you have an older vehicle, you won’t have to pay as much for comprehensive and collision insurance.

Your rates for liability insurance may be just as high as they would be if you had a new vehicle.

If you take the time to do proper research and compare auto insurance quotes from multiple companies, you might find a cheap policy that offers great coverage for your old car.

Most insurers provide bonuses and discounts to those who meet certain criteria. When you compare car insurance quotes, try to find out more about the discounts that are being offered.

Learn about the types of auto insurance available on the market, make a list of insurance providers, and then go shopping online.

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Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Get Cheap Auto Insurance Quotes

More companies are selling car insurance online. Processing online applications involve minimum costs, which is why most insurance carriers offer lower rates to those who buy coverage through their websites.

Comparison shopping saves you time from having to go to an agent. Statistics show that drivers who buy car insurance online pay up to 30 percent less on coverage than those who go shopping the old fashioned way.

One of the main advantages of shopping for car insurance online is that you don’t need a middleman. Most insurance websites feature online comparison tools, rate calculators, and other applications that will save you time and money.

Our comparison tool provides advanced tools that allow customers to customize their policies with a few mouse clicks. Our comparison search will help you save on auto insurance rates.

Compare Car Insurance Rates

 

Using a quote comparison tool is the best way to find a comprehensive auto insurance policy that meets your individual needs. These sites provide dozens and even hundreds of free auto insurance quotes from industry leading companies.

They work with local and national car insurance providers to bring you affordable policies with different levels of coverage. As long as you know how much insurance you need, shopping around for auto coverage will be easy and fun.

When shopping for car insurance online, you will need to provide relevant information about yourself and your vehicle in order to receive free quotes.

Drivers are usually required to enter the following information:

  • age
  • gender
  • marital status
  • driving experience
  • credit history
  •  location
  • zip code
  • type of car

The answers you provide will affect your car insurance rates.

Be accurate in your answers. Don’t be afraid that you will pay more because you have a bad driving record or a poor credit score. Many auto insurance providers feature competitively priced policies for young drivers, seniors, and convicted drivers.

Choose at least three auto insurance quotes and compare them. Keep in mind that car insurance premiums vary depending on the state and zip code.

If you are on a tight budget, look for policies with higher deductibles. Try to find out how raising your deductible will affect your car insurance premiums. The cost of your policy is directly related to your deductible.

Pay Your Car Insurance Rates Upfront

One of the best ways to lower car insurance rates is to pay your premiums up front. Some companies require a very low down payment or no payment at all. If you own an older car, getting a no down payment insurance policy will be easy.

Monthly rates can fit seamlessly into your budget, but you will end up paying more on car insurance over the long run. If you choose to pay your premiums monthly, you will be forced to manage more paperwork. In addition, many insurance providers will charge a small fee to process your monthly premiums.

In addition, many insurance providers will charge a small fee to process your monthly premiums.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Drive Fewer Miles to Lower Your Auto Insurance Rates

 

People who use their cars for long-distance commuting and business pay more for auto insurance than those who drive less.

If you want to get lower car insurance rates, you may want to explore ways to limit your mileage.

Most insurance companies offer discounts to those who agree to a mileage restriction. Walking, riding a bike, and using public transportation will result in lower premiums.

Consolidate Your Policies with One Insurance Company

Another way to save money on car insurance is to combine all of your policies into one. Most people have multiple insurance policies with different carriers. Not only is this confusing, but you’re probably spending more than you have to on insurance.

Insuring your home, car, boat, and motorcycle under the same roof can save you hundreds and even thousands of dollars a year. Some companies offer discounts of up to 25 percent to those bundle their home, auto, and life insurance with the same provider.

Keep Your Car Safe

 

Even if you have an older car, get ready to make a small investment in order to reduce the risk of theft. Drivers who install approved alarms and immobilizers on their vehicles pay up to 10 percent less on car insurance than those who don’t have any safety devices installed.

The safety of your car will be taken into consideration by your insurance provider. Make sure your windows and windshields are free of cracks. Adding airbags, automatic seatbelts, and antilock brakes can also help improve the safety rating of your vehicle.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Take a Defensive Driving Course

Numerous organizations are offering driving classes to those who want to improve their skills and get lower car insurance rates. Some companies offer discounts of up to 35 percent for completing advanced driving courses.

Getting cheap car insurance for an older vehicle can be done in a few easy steps. Shopping online, comparing auto insurance quotes, and applying for various discounts can help you save a small fortune.

Start building a no-claims bonus as soon as possible and avoid speeding tickets. You could save up to 75 percent on car insurance for around five years of no claims.

For extra savings, cut down on policy extras and maintain a good credit rating. Enter your zip code below and use our FREE auto insurance comparison search to save big on auto insurance online!

References:

  1. https://www.progressive.com/glossary/comprehensive-and-collision/
  2. http://www.21st.com/auto-insurance-information/compare-auto-insurance-quotes.htm
  3. https://www.esurance.com/info/car/myth-your-credit-score-doesnt-affect-your-insurance-rate
  4. https://www.edmunds.com/car-reviews/top-10/top-10-ways-to-lower-your-car-insurance-bill.html
  5. http://lifehacker.com/5373028/combine-policies-to-save-money-on-insurance
  6. https://www.esurance.com/info/car/protecting-your-car-from-thieves
  7. http://www.huffingtonpost.com/nerdwallet/5-safety-features-that-ca_b_8699562.html
  8. https://www.allstate.com/tools-and-resources/car-insurance/help-lower-auto-premiums.aspx
  9. http://www.nasdaq.com/article/dont-insure-an-old-car-like-a-new-one-cm159426
  10. https://www.confused.com/motor-insurance/your-cover/car-insurance-buyers-guide-no-claims-bonus-explained