Mommy Katie: Proven Ways to Find Affordable Car Insurance

Tuesday, February 18, 2014

Proven Ways to Find Affordable Car Insurance

Finding affordable car insurance doesn’t have to be difficult. The modern technology has made things easier. With a few mouse clicks, car owners can find cheap auto insurance from leading companies. As long as you know how much coverage you need, you should be able to choose the right policy. Keep in mind that rates vary from one insurer to the next. If you need car insurance in Austin, request at least three quotes from local and national providers. 

Here are four proven ways to find affordable car insurance in your state:

Research Your Options

Do some research to learn about the main types of car insurance. Most states require drivers to carry collision insurance, property damage liability, bodily injury liability, uninsured/underinsured motorist coverage, and medical payments coverage. Assess your budget and check the minimum coverage requirements in your state. Pay attention to insurance limits.

Go Shopping Online

Customers who buy auto insurance online get lower premiums than those who purchase coverage directly from insurers. Increasingly more companies are offering discounts that available exclusively online, so it's worth shopping around. Collect as many auto insurance quotes as possible. Compare them on a like-for-like basis and then make a list of insurers that suit your needs. Check their customer services as well as their rates and discounts.

Consider Key Factors

There are several key factors that affect your auto insurance rates. The make and model of your car, your driving record, your location, and the type of coverage play a major role. A sports vehicle will cost more to insure than a family car with high safety ratings. Customers with a good driving record get the best premiums. New drivers are automatically classified as "high risk" drivers, which is why they pay more on car insurance.

The state and neighborhood where you live should be considered too. Car owners who live in cities with a high crime rate pay more on coverage than those living in rural areas. The good news is that you can reduce your rates by applying for car insurance discounts.

Pay Attention to Discounts

Many drivers end up overpaying for auto insurance because of where they park their cars. If you want to save money, keep your vehicle in a garage. Those who insure two or more cars with the same company can save over 25 percent on coverage. If your commute to work is below 30 miles, tell your insurance agent about it. This could bring you a discount.

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1 comments:

joanna garcia said...

These are great tips! it is true where you live makes a difference in your bill, I used to pay $100 for two cars and when I moved now pay $200! LOL