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Is it expensive to get auto insurance price quotes?

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Compare quotes from the top auto insurance companies and save!

Here's what you need to know...
  • Car insurance rates continue to rise every year
  • Comprehensive auto insurance doesn’t need to cost a lot
  • There are many different types of optional coverage such as gap, uninsured motorists, and roadside assistance

Car insurance rates are rising every year. Premiums vary from one auto insurance company to another based on a number of factors such as the driver’s location, age, marital status, and credit history.

Increasingly more drivers are using the Internet to get free auto insurance quotes and find reputable insurance providers.

Comparing auto insurance quotes online is free. You can get as many quotes as possible without paying a dime. Here are a few tips on how to save money on auto insurance:

Find affordable auto insurance now! Enter your zip code in our FREE comparison tool above!

Decide What Type of Coverage You Need

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A comprehensive auto insurance policy doesn’t have to be expensive. In fact, some of the most helpful types of coverage are the cheapest. Optional types of auto coverage such as:

  • Uninsured/underinsured motorist coverage
  • Gap coverage
  • Rental reimbursement coverage
  • Roadside assistance

Comprehensive insurance, the most expensive policy, is half the price of collision coverage. Buying a car insurable policy that is slightly more expensive can save you hundreds and even thousands of dollars over the long run.

Before you go shopping for auto insurance, take a look at your coverage options.

Apply for the auto insurance discounts that are being offered. Shopping around and getting multiple car insurance quotes can save you as much as 70 percent on coverage.

Get Auto Insurance Quotes Online

Recent studies have shown that drivers can save up to $200 when renewing their car insurance policies, but they need to get at least seven quotes from different companies.

Most customers get only three insurance quotes when shopping for coverage online.

Look for a reputable website that enables customers to compare free auto insurance quotes. Submit the information required and then wait a few moments to receive quotes from multiple insurers.

Many auto insurance companies offer a discount to customers who buy their policies online because their applications are cheaper to process.

By filling in one form you will get hundreds of quotes from top insurance providers.

Keep in mind that all companies use different formulas to calculate your rates. Some of them offer the same level of coverage at rates that may vary greatly.

Staying with the same insurance provider year after year may not be in your best interest. If you are paying too much for car insurance, cancel your policy or negotiate your rates.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Factors That Affect Your Rates

 

Your car insurance premiums depend on several factors, including the specific coverage options that you select. Most auto insurance providers sell liability, collision, and comprehensive coverage.

These are the basic types of insurance with which most drivers are familiar.

You can also opt for personal injury protection insurance, full tort/limited tort insurance, towing coverage, uninsured/underinsured motorist protection, rental coverage, and gap coverage.

In addition to the type of coverage you choose, your car insurance rates are affected by your age, gender, location, moving violations, number of claims filed, and driving habits.

Your credit score and the type of car you drive will influence your premiums as well.

Younger drivers get higher insurance rates. Women pay less on car insurance than men.

Individuals who live in high-crime areas present a higher risk of theft and vandalism, so they pay more on coverage.

The distance between your home and work affects your auto insurance premiums. If you have a sports car or a luxury vehicle, you will get higher rates.

Drivers with moving violations pay higher rates. Anti-theft alarms and safety devices work in your favor by keeping your car safer and lowering your insurance bill.

Search for car insurance policies with higher deductibles. The deductible you choose has a major impact on your auto insurance rates.

This is the amount of money that you pay out of the pocket if you get involved in a car accident. The more you raise your deductible, the less you will pay on auto insurance.

Increasing your deductible is a guaranteed way to lower your annual insurance premiums.

Learn About Car Insurance

If you understand how car insurance works, you will be able to find a policy that best suits your needs.

Insurance providers have different rules regarding what groups of drivers they want to accept and how much they will charge those customers they consider a greater risk.

Drivers are placed in specific groups based on how many claims the insurance company believes it may have to pay.

During the underwriting process, your car insurance provider will look at your driving record to see how many tickets you have received. Some insurers will look back five years when deciding how much to charge you.

Take Advantage of Discounts

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Drivers who buy auto insurance online receive special discounts of up to 20 percent. They can apply for limited mileage discounts, car equipment discounts, and no-claims bonuses.

For extra savings, fit your vehicle with an approved alarm and immobilizer. This way you will make your car more secure and pay less on coverage.

Statistics show that more than half of car thefts occur at night.

Keeping your vehicle in a secured garage at night will reduce your auto insurance rates. If you don’t have a garage, park the car off the road.

Drivers can save up to 25 percent on car insurance by paying their auto insurance rates upfront.

If you pay monthly, you will be charged interest rates. Most insurance companies offer discounts for paying your premium in one lump sum.

You may also save money on auto insurance if you take a driver’s education training course. This way you will improve your driving skills and pay up to 35 percent less on coverage.

Maintain a good driving record and prove that you are a safe driver. If you don’t make any claims for at least three years, you will save up to 75 percent on your car insurance policy.

Comparing auto insurance quotes online will give you a clear picture of the market. Do proper research before you state auto insurance shopping and make a list of car insurance providers.

When you compare insurance quotes, look for companies that provide similar types of coverage.

Comparison shopping is a smart thing to do, and our auto insurance comparison search can help you save money! Enter your zip code to get started now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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