Who gets the cheapest car insurance?

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Things to Remember...
  • Your accident history will affect your car insurance rates. If you drive safely and avoid accidents, you will most likely receive excellent rates.
  • You will receive a good price for your auto insurance if your record is clean of any speeding tickets, stop sign violations, or other traffic offenses.
  • The best auto insurance rates will be offered to you if you have excellent credit.
  • Keep in mind that the lowest quote might not be the cheapest. For example, some extremely low quotes might have deductibles that you could not afford if you were in an accident.
  • There are various types of auto insurance discounts offered by insurance companies that can help you to receive the cheapest rates for coverage.
  • It is essential to shop around and receive auto insurance quotes from more than one auto insurance provider in order to receive the lowest rates and best levels of coverage.

When shopping for auto insurance, you will quickly learn that quotes can vary greatly from one company to another. Most companies offer some discounts to their potential clients.

There are many different factors that will affect the cost of auto insurance from one person to the next.

It is important for you to keep a variety of factors in mind when shopping for car insurance. Once you know what you need, use our FREE tool above to start comparing rates!

Your Accident Record

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Your accident record will affect your auto insurance rates:

  • Your accident history will affect your car insurance rates. If you drive safely and avoid accidents, you will most likely receive excellent rates. Your rates will still be very good if you have been in an accident, but not one that you caused.
  • Good rates can still be available to you with some companies if you have had a single accident for which you are at fault. Many companies offer forgiveness benefits. Of course, your final rates can still be affected by the severity of the accident.

An individual who has never been in an accident caused by the individual or by someone else will receive the cheapest auto insurance rates.

Your Driving Record

Your driving record can affect your car insurance rates.

An auto insurance company will offer you good rates for your car insurance if you do not have traffic violations.

  • You will receive a good price for your auto insurance if your record is clean of any speeding tickets, stop sign violations, or other traffic offenses.
  • Even if you have had a traffic violation, it is still possible to receive cheap rates on auto insurance. If your traffic violation was some time ago and you do not carry any points on your license currently for the traffic offense, you can still receive good rates.

Individuals who have never been convicted of Driving Under the Influence or other serious and related offenses will receive the best car insurance rates.

Of course, an individual with one more DUI convictions can struggle to receive affordable car insurance rates.

Your Credit Rating

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A credit rating is going to affect the premiums you pay for auto insurance. A company will charge you the lowest rates if they feel confident that you will pay your auto insurance on time each month.

  • The best auto insurance rates will be offered to you if you have excellent credit. If your credit score is very high, you will be able to receive superb rates. This is especially true if you also have a good driving history and receive a good rating for your accident history.
  • You can also receive good auto insurance rates if your credit is not top-notch but overall is still very good. This is especially true if you have a good payment history with your prior insurance company or with other bills for which you pay.
  • If your credit is poor, it is not likely that you will be able to receive the cheapest auto insurance rates. You can still receive reasonable rates if you have a good driving record and a record with no or very few accidents.

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Comparison Shopping

You will receive auto insurance the cheapest if you use comparison shopping. With a few simple steps, you can find the lowest car insurance rates and best coverage available to you.

  • Gather the details of your current auto insurance coverage or determine what level of coverage you would like to have for your auto insurance.
  • Get online so that you can enter all information on the forms for comparison quote shopping. Be prepared to receive quotes from more than one auto insurance company.
  • Carefully review not just the prices but all the level of coverage and other benefits provided with each quote you receive.
  • Keep in mind that the lowest quote might not be the cheapest. For example, some extremely low quotes might have deductibles that you could not afford if you were in an accident. Carefully review the details of all quotes before selecting a policy.

Comparison shopping makes it possible for you to receive several different quotes for auto insurance. It is difficult to receive the cheapest auto insurance if you are only going to shop with one or even two insurance providers.

You will also benefit from competitive rates when using the Internet for comparison shopping. Companies will offer you lower premiums when they know you will be receiving quotes from several different companies.

Other Discounts

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There are various types of auto insurance discounts offered by insurance companies that can help you to receive the cheapest rates for coverage. You should compare discounts offered by more than one company to find those companies offer discounts that apply to you.

For example, you should check with the insurance provider you are currently using for other types of insurance.

There is an excellent chance that the company will provide you with lower rates on your car insurance if you add a different type of insurance to your current policies.

Some companies will also offer you a discount if more than one driver at your address uses the same auto insurance company. Consider receiving a quote from the same company where other members of your household insurance their car.

Companies will often provide you with reduced rates for your auto insurance if your car has advanced safety or security features. You should also look for companies that offer you lower rates if you are someone who completed a driver’s education course at some point.

Once again it is important to compare rates from more than one company in order to find those that offer the most special discounts.

Make Sure You are Getting the Best Rates

The people with the best driving records and best credit ratings will receive the best auto insurance rates.

It is essential to shop around and receive auto insurance quotes from more than one auto insurance provider in order to receive the lowest rates and best levels of coverage, especially if your credit or driving history is less than ideal.

Start your comparison now with a FREE online tool below!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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