It’s always an exciting experiencing purchasing a new car. Now you have to find the best way to protect it. This means getting auto insurance with the best coverage for the lowest price. Without auto insurance, you are basically a ticking bomb waiting to explode. So many bad things can happen with just one accident. Having insurance will provide you with a piece of mind and most importantly protection.
Getting a cheap auto insurance quote isn’t hard. Here are some factors to determine if you can get a cheap auto insurance quote.
First, auto insurance companies are going to run your driving record. If you have multiple violations such as speeding tickets and accidents, your rates will be more expensive. A lot of people say “well it’s just speeding tickets, I never been in a accident before.” Studies have shown that people who speed are much more likely to get in an accident then someone who obeys the speed limit. Insurance companies will take note of that and increase your rates because you are more prone to getting in an accident. To get a low rate you’ll need to have little to no violations on your record.
Second factor will be your age. If you are a teenager and just received your license, your insurance rates are going to be higher then a more experienced drive, whose been driving longer. Studies have shown that younger people with little driving experience are also more prone to getting in an accident. Generally, women will also pay less then men.
Third, the insurance company will check your credit history when you are getting your rate. (Don’t worry if you are getting a quote online, they will not ask for that) Although your credit doesn’t affect your driving in anyway, auto insurance companies want to make sure that you are able to pay your monthly statements. If you have poor credit, your rates might be a bit higher or you might even get declined with some companies. (Don’t worry if you get declined, there are plenty of companies to choose from, and there will always be one that will insure you)
And for those who don’t have such great driving records, or credit history, a great way you can save money is by taking a defensive driving class. Most insurance companies will give a discount once you’ve completed the course. It shows insurance companies that you want to be a safe driver to prevent accidents. Another thing you can do is, make sure you purchase a car with good safety ratings, and a good anti-theft tracking system. Having a car with high safety ratings means that if you get in an accident, you are less likely to be injured. When you get injured, insurance companies have to pay out of lot of money and they definitely don’t like doing that. Having an advanced anti-theft tracking system will help as well. It will prevent thieves from trying to steal your car and if it does get stolen, it can be tracked.
Lastly, if you are insuring multiple cars, you can always ask your insurance company for a multi car discount. It’s not abnormal that you can insure two cars for the price of one car. Make sure you ask the auto insurance company if they offer this type of discount because not all of them do. Some insurance companies do Home Insurance as well and having your cars and home under one policy will definitely help you save on your rates.
So, in conclusion, these are the ways to get a cheap auto insurance quote. Please use the links on the top or side to get a free insurance quote. It’ll take less then 3 minutes and you will have quotes from all the leading auto insurance companies.