Is Affordable Auto Insurance Just a Pipe Dream?

While you may not often come across “cheap” auto insurance, you can certainly find affordable cover. This is because insurance companies don’t like to market their products as being cheap products, because the vast majority of people associate “cheap” with poor quality. Instead, insurance providers prefer terms like “low-cost” or “affordable” even though the average motorist is very open about wanting to find cheap insurance.

Of course much also depends on your own circumstances, because what may be cheap for one person, may not be cheap for the next. The good news though, is that you can almost always find cover to suit your budget, providing you’re willing to shop around, and providing you take certain precautionary measures. If you’re currently paying through your neck for auto insurance, the chances are you never shopped around, or else you’ve had a series of convictions. If it’s the latter, there’s not really much you can do about it, at least not for a few years. Unfortunately, insurance companies just don’t like high risk drivers, which is why it pays to maintain a clean driving record.

Also, if you’ve been making regular claims, all insurance companies will see you as being high risk, and it’s going to show in the quotes you get. If you’re having difficulty finding cheap cover, it could also be your age counting against you. Generally, if you’re under the age of 21, or in some cases 25, you’re going to pay more for auto insurance. Many drivers in this age group argue that their reflexes are sharper than they are in older people, and yes, it’s true. The Insurance companies aren’t denying this, but they also know that a young driver is more likely to speed and drive recklessly. Unfortunately, statistics show that young drivers between the ages of 17 and 25 are the most likely drivers to be involved in an accident. If you are in this age group, you can still find relatively cheap cover if you shop around, but it may be worth your while getting one of your parents to insure the vehicle and then have you as a named driver.

If on the other hand you’re a senior citizen, you will almost certainly qualify for reduced rates, and even more so if you don’t use your vehicle very often. Insurance companies see older people as having had plenty of driving experience, so therefore there’s less chance of them having an accident. Senior citizens also tend to drive less than young people, so their cars are not on the road as often, which again means less risk to the insurance company.

If you’re just a regular driver, in that you’re neither a youngster nor a senior citizen, then you have the same challenge as everyone else. What this means is that you’ll need to take certain steps in order to qualify for those great rates. For example, make sure your vehicle has an alarm and an immobilizer. In fact, you may even want to get a GPS tracking device installed. You also need to avoid leaving your vehicle parked out in the road at night. Even though thousands of cars get stolen while parked on their owners properties, there’s more chance of your car getting stolen if it’s left out on the street.

Lastly, you need to get several quotes from the different insurance companies. Don’t be tempted to opt for one company just because friends or family have recommended them. While that company may have been offering the most affordable car insurance last year, that’s not to say they can give you the best deal this year. In fact, shopping around for quotes is the single most important thing to do when it comes to getting a great deal on auto insurance.


Quick and Easy Ways to Save Money on Cheap Auto Insurance – There’s No Need to Keep Overpaying

There is nothing more frustrating than paying too much for a product or service, and too many consumers are overpaying for their car insurance. Although a lot of people have indeed given up on finding cheap auto insurance, the truth is that it really is not very hard to find if you know where to look. Many drivers that believe they have found cheap auto insurance have simply found an insurer that is allowing them to carry sub-par coverage and charging less for it. A wise consumer needs to understand what to look for, what to ask for, and how to ask for it.

Cheap auto insurance should not offer anything less than adequate coverage or there really is no use in paying for it. A driver needs to ensure that they can comfortably afford any deductibles that are associated with the cheap auto insurance policy. In addition, the coverage levels must be high enough so that they will actually afford the customer a good level of protection in the event of any accident or theft. Customer service is important and it is often advisable to check with the Better Business Bureau before dealing with any auto insurer that provides cheap auto insurance.

An excellent way to save money on car insurance is to familiarize oneself with all of the available discounts. Car insurance companies appreciate customers who fit well into their target demographic, so safe drivers with no prior claim history will receive a fairly substantial discount. Individuals with good credit scores also typically enjoy better rates on cheap auto insurance. Other discounts include loyalty savings given to individuals that maintain more than one vehicle or more than one insurance policy with the same company. Driver education classes also normally result in a small discount.

The biggest step in finding cheap auto insurance is luckily not very difficult. A consumer can use an insurance comparison website and immediately compare multiple quotes and product options online. It really is much easier than people think to save money by finding cheap car insurance.