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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?


Finding cheap car insurance for family cars

Buying and insuring a family car

You usually take care when buying a family car to maximize safety. If you plan to put parents and children into the same vehicle, you all hope to walk away in the event of an accident. This means a balancing of factors. On one hand you want a vehicle with sufficient size so all the family can sit comfortably, but you also want it to be safe. One of the problems with bigger vehicles is a tendency to rollover if there is a violent swerve or you corner too fast. This means looking for both passive and active safety systems. Passive systems offer protection to those inside should there be a collision. Active systems use technology to make driving safer, e.g. electronic stability control.

To get the right balance, you should look carefully at the crash test results published by the Insurance Institute of Highway. This will give you an instant guide to the safest vehicles. By coincidence, the safest vehicle often command cheap car insurance rates. The assumption is these vehicles will be driven carefully exactly because they are going to be used to carry the family. Driving defensively means accidents will be less frequent.

Bundling policies

As a family, you may own several vehicles and have a home to insure. The more business you give a single insurance company, the greater the potential savings. But you should note one risk. As your children grow up and learn to drive, you may need to limit their driving to a single nominated vehicle. If you have several vehicles on the same policy or insured with the same company, the default assumption is all family members may drive all the vehicles. So if one driver is young and inexperienced, it puts up the car insurance rates for all the vehicles. This is not so important if all the vehicles are steady family cars. But should one of the cars be high-performance, adding a teen driver could become a very expensive proposition. It may be necessary to insure the “teen’s” vehicle separately to avoid all the car insurance quotes spiking. In some states, homeowner policyholders are being required to consolidate their car insurance with the same company. If this is threatened, look very carefully at what might happen if you have one or more teen drivers. It may be better to move your homeowners policy to another company.


Cheap car insurance — how to find affordable coverage »


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.

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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.

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