Already Insured?

Finding cheap car insurance is only the first step »

It may be easy to find cheap car insurance but it is not always wise to buy on the basis of price. You want your cheap car insurance to be good value for money

Everything About Cheap Car Insurance

About Cheap Car Insurance Cheap car insurance for teens and young adults »

Finding cheap car insurance for teens and young adults is challenging but it can be done. Get car insurance quotes from as many insurers as possible

Finding Specialty Cheap Car Insurance »

Look for an insurer specializing in specialty cars. Although you will occasionally find cheap car insurance from large insurers, small companies usually offer the lowest car insurance rates

Finding cheap car insurance for family cars »

When buying a new or replacement vehicle for your family, here are a few ideas on how to find affordable if not cheap car insurance. Buy safety for the lowest car insurance quotes

Cheap car insurance when you buy on credit »

If you decide to buy on credit rather than lease, can you find cheap car insurance? If not, what can you do to find lower car insurance rates?

 

Cheap car insurance starts with make and model

The insurance industry makes its money by estimating the chance you will make a claim. That means there is a certain amount of gambling based on the type of person you are. In this, the make and model of vehicle you buy is making a statement about your personality. If you are young and buy a car with red-hot acceleration, the insurer will suspect you are going to show off by driving fast. There is a vast amount of statistical evidence showing fast drivers are the most likely to get into an accident. If you confirm the statistics by picking up speeding tickets, you will rapidly be classified as a high-risk driver and the car insurance rates will become unaffordable unless you are related to the Rockefellers.

So look up the results of the crash tests run by the Insurance Institute for Highway Safety. Check out the performance of the makes and models you are interested in buying. As you might expect, the safest vehicles tend to have the cheap car insurance rates. However that is not the end of the story. If you are proposing to buy comprehensive cover, look carefully at the statistics of vehicle thefts. The number of cars stolen varies quite significantly depending on where you live‚ remembering the ZIP code is a big factor in deciding the rate you will pay. But some makes and models are simply not attractive to thieves. They get no pleasure from driving them, and there is little or no market for breaking the vehicles into spares. Others are common targets and rarely recovered even when fitted with GPS tracking systems. The good news about the comprehensive car insurance rates is they are set without looking at your personal driving record. The bad news is they are set by looking at the statistical evidence based on make and model.

The advantage of this site is the service is completely free. You can get as many car insurance quotes as you want. The best strategy is to test out the market for different makes and models, getting quotes for as many models as you would feel comfortable driving. That way, when you get into the dealers’ showrooms or the used car lots, you will know which vehicles you can afford to insure.

 

Cheap car insurance — how to find affordable coverage »

Save

In a recent survey using a standardized profile in all the states of the union, the car insurance rates for the same driver were found to differ by more than $1,000. This is not just a simple matter of insurers having different models for estimating risk. It reflects a real difference between states and the conditions on the roads. Ignoring local differences, here are some simple tips for finding discounts and thereby buying cheap car insurance.

see more

Cheap car insurance starts with make and model »

So look up the results of the crash tests run by the Insurance Institute for Highway Safety. Check out the performance of the makes and models you are interested in buying. As you might expect, the safest vehicles tend to have the cheap car insurance rates. However that is not the end of the story. If you are proposing to buy comprehensive cover, look carefully at the statistics of vehicle thefts. The number of cars stolen varies quite significantly depending on where you live‚ remembering the ZIP code is a big factor in deciding the rate you will pay.

see more