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The Best Route to Cheap Auto Insurance

Jun 4, 2008
The economy is in the dumps, and we're all trying to save as much money as we can on our monthly bills. Have you thought of looking for a better auto insurance deal?

Don't assume that all insurance companies have the same prices. Insurance companies have certain guidelines imposed by the state they're in, but they have a lot of leeway to interpret their auto insurance rates. Because of your particular record, the car you drive and other variables, the cheapest car insurance for someone else, like your parents and neighbors, might not be the cheapest for you.

You can do a lot on your own to make you eligible for the cheapest auto insurance available and that doesn't mean call every agent in the book for a quote (that part comes later). The best way to get the cheapest auto insurance available is to be a good driver.

I know people who scoff at a single traffic ticket. That is, until they get their next insurance bill. One traffic ticket can cost you hundreds of dollars a year, for years to come. So if you like to put the pedal to the metal, back off. Or you'll find that that there are plenty of insurance companies that want you as a client at their new triple lousy driver rate.

You are eligible for the cheapest auto insurance if your carrier believes that you are a very low risk, or likelihood, of filing a claim. Filing claims means you are a greater risk and cost them more money. The good part about insurance companies is that if you save them money by never filing a claim or getting traffic tickets they can pass that saving on to you.

The insurance company is probably not going to volunteer to give you a lower rate. So don't hesitate to call and ask what you might be eligible for. Things change with age, driving record and family situation, for starters. You might also be able to get a better deal, if you have your home insurance with the same company. Many of them like the bundle different policies together.

Now you know what you can have, so shop around. Every company is different so it pays to obtain quotes from several different companies and see which is best for you. Ask about coverage discounts and how your rate could change with a different deductible. Safe drivers who rarely need to make claims can usually get by with a higher deductible rate. That way both you and the insurance company are betting on your good driving record.

So it's time to get to work now. A little research on the Internet might save you hundreds of dollars a year and automobile insurance premiums. They're probably not been a volunteer, the lower rates, unless you remind them to. There's plenty of information available today, so there's no excuse for overpaying for your car insurance anymore.
About the Author
Before you make next year's car insurance payment be sure you look at Rob Gormly's fantastic report on how to save 10% to 30% every year on your car insurance payment with the information your broker doesn't want to tell you! Rob is a former insurance agent with an extensive background in insurance and finance.
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