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 — how to find affordable coverage

Guide to saving money

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. So car insurance rates are lower in the largely rural states and higher where there are major cities. There are also major differences between the states running on the law of tort and the no-fault states. Ignoring local differences, here are some simple tips for finding discounts and thereby buying cheap car insurance.

Shop around

You have to do some basic research, getting quotes from all the major insurers and comparing them to find the best deal. Remember this means you must be ready to change insurers to get cheap car insurance rates.

Choose the make and model carefully

Some makes and models are expensive to insure, i.e. they are either fast and a target for thieves, or the crash tests show them unsafe. You can buy cheap car insurance for vehicles with the highest safety rating.

Think carefully about the extent of the coverage you need

If you have an auto loan, there will be no choice. In addition to liability cover, you will be required to buy both collision and comprehensive cover. If this is your situation, you may decide to buy gap cover as well. But if you own the car, you may decide to make do with the minimum mandated liability cover and self-insure your own losses.

Look for the discounts

If you have decided to buy full cover, research the discounts. The most common are for a high deductible, bundling your homeowners and car insurance together, and for being a low mileage driver. Talk to the insurers before buying to discover what discounts they have and whether you qualify.

Drive carefully

The insurance business model is a guess whether you will have an accident. If over time you prove you are a safe and responsible driver, you will earn low rates. But if you pick up tickets for speeding and make multiple claims, you will be classed a high-risk driver and all car insurance will become expensive.

 

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