Auto Insurance Quotes

Finding Cheap Auto Insurance Quotes

So your auto insurance is about to expire or you have just bought a new car and want an easy way to find a cheap auto insurance quote. It is really easy, just start by inputting your ZIP code in the field above, fill in any data required and you will have your quote in minutes.

There are still a few states left that do not require you to have auto insurance but is it really worth the risk? What would happen to you if you caused an accident that afterwards basically left you bankrupt, homeless and in a state of depression after your were sued for everything you owned?

Why Would You Stay With Your Current Insurer?

Well there is really only two reasons.

The first is that if they offered you the best quote – why move when you do not need to? If you have not made any claims in the past year then your current insurer may decide to offer you some type of loyalty bonus to stay with them, however you should still shop around to compare. There may be a large discount on the table but the premium may have increased.

The second reason is more to do with your credit rating. Having a bad credit rating can actually increase your auto insurance costs by between 20-50%.

Ways To Find Cheap Auto Insurance Quotes

Well there is no real ‘secret’ method to saving money with cheap quotes, it really is about how much time that you want to spend dealing with auto insurance brokers. After you get your first quote it is highly advisable that you do shop around, try at least another 3 providers. It is very convenient to do this online from the comfort of your own home, just fill in your ZIP code above and your will have access to several insurance companies that specialize in providing cheap car insurance quotes in your area.

Another way lower your car insurance premium is if you drive an older car you could consider dropping collision and comprehensive coverage, because you might be paying more in premiums than the car is actually worth. Of course there are drawbacks to this, if your car is stolen you will not get any compensation and if you caused an accident you will need to foot the bill for repairs to your car – a good reason to drive safely and also make sure your car is protected!

You can always barter with your current auto insurance company and any prospective ones too. Did you find a low quote with another provider? Go back to your original company and ask if they can beat it, not match it but beat it by a certain amount. This will work some of the time only if you have not made any claims in your history with them. You can also use this cheap quote with new, prospective insurance companies.

We have provided a short list of ways to keep your auto insurance premiums at a minimum:

• Keep your deductibles low – you will need to have cash to pay any bills if you cause an accident
• Keep a good credit history
• A clean driving record
• No claims being made in 5+ years
• Additional security measures for your car
• Do not make alterations to your car, insurance companies will charge more for modified cars
• Apply online! You will normally get a cheaper quote if you apply online, you can also barter more easily to get discounts on the original quotation.

When A Cheap Auto Insurance Isn’t Really ‘Cheap’

There are several ways that car insurance companies can disguise their quote to make it the market leader in the many ways that brokers can compute their premiums, one of which is your deductible. This can be raised to lower your premium but if you are in an accident you will be expected to pay this amount before any other costs are paid. You will also not be able to make small claims under this amount. This should be considered individually on case by case to decide the appropriate level of deductible.