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Did you know that 70% of Americans actually overpay for auto insurance? No wonder everyone is moaning about high premiums. The funny thing is that most people just accept expensive insurance rates as a fact of life and think that there is nothing they can do about it. But of course there is. If you are here and about to compare quotes then you can count yourself one of the 30% who won’t be overpaying.
Is it cheaper to buy only the minimum liability coverage required by law?
Well, yes and now. The amount of coverage and the liability limits you choose will have an effect on the amount you will pay for insurance, that is true. It seems logical to choose the lowest possible liability limits in order to save money. But, is it? In some states the bodily injury and property damage liability limits are as low as $5,000 or $10,000. Purchasing so little coverage will fulfil the legal requirements of the state, but will it give you enough protection? If you cause an accident and your insurance can not cover all the costs, you will be liable. Can you really afford to put your financial assets at risk? Isn’t it better to get more and adequate coverage, which will give you a peace of mind and the protection you need?
Believe it or not, some under-insured drivers pay higher premiums than others with great coverage, simply because they took the first quote they got and didn’t shop around.
This coin has another side though. There is such a thing as too much coverage. Think about it for a second. If the value of your car has depreciated a lot in recent years, is it still worth paying for comprehensive and collision coverage? Even if you have a newer vehicle which you are still paying for, double check if you still need that gap insurance. Finding the right balance is crucial. At the end of the day, it is about finding the cheapest car insurance which gives you the coverage that you need.
What can I do to reduce my car insurance?
Have you ever wondered how insurance companies calculate insurance rates? They all use different formulas and that is one of the reason why rates can vary so much from company to company, but there are still a number of factors which all take into account. In no particular order, some of them are:
- Age
- Gender
- Experience
- Driving history
- Credit score
- Vehicle model
- Annual mileage
- Place of residency
- Occupation
Which factors can be influenced in order to get cheaper car insurance? There is not much we can do about our age, although I’m sure most of us would agree to pay higher premiums if we can be 10 years younger. Gender? Women pay less for auto insurance, that’s a fact, but I still haven’t heard of anyone having a gender changing operation in order to reduce his expensive insurance premiums.
Still, there is plenty you can do about your driving history, credit score, annual mileage and the vehicle you drive. From the moment you get your driving license, you should start thinking about your driving record. Nothing increases insurance rates faster than causing accidents and breaking the law. But we all make mistakes, of course. Sometimes, something as naive as having 2 beers after work and thinking ‘Its gonna be fine’ while jumping in the car to drive home, can lead to a DUI conviction. Trust me, if you want cheap car insurance, having a DUI on your record is the last thing you need. Apart from losing your license, paying fees and possibly going to jail, you will be required to carry a proof of financial responsibility (SR22 Insurance) for a period of time, usually 3 years. Your insurance company may cancel your policy all together and you rates will sky rocket. Keep a clean driving record and you won’t regret it for a second.
Have you checked your credit score recently? It may be a news to you, but insurers have started paying more and more attention to credit history when calculation insurance rates. I know what you are thinking. If you are having financial difficulties, that doesn’t make you a bad driver. Many people have tried arguing this case, but insurance companies see it differently. In their eyes, if you pay your bills on time, you are a more responsible persona and less likely to have an accident.
Did you know what as many as 10% of credit reports contain errors? If you haven’t checked yours in a while, it really is a good idea to do so. May be you will finally discover why you weren’t given that car loan or had your insurance rates increased last year.
When you are shopping around for a new car, do you consider car insurance? If your answer is ‘Yes’, then you are a minority. Many people get a shock when they start requestion insurance quotes for a newly bought vehicle. Isn’t it wiser to do your homework before hand? Most new vehicles are ‘insurance friendly’, having plenty of safety features (ABS, air-bags) and anti theft devices. You need to be far more careful when purchasing an older car or track.
There is a false believe that bigger cars cost more to insure than smaller ones. Not always the case. In fact, family SUVs are cheaper to insure than many smaller vehicles.
Finding the cheapest car insurance quotes
Are you going to save money by comparing quotes? Absolutely! You ring each insurance company, visit your local insurance agent or get quotes online, which is by far the easiest way. You don’t have to waste time repeating the same details over and over again. Trust me, I know how frustrating that can be.
Isn’t it amazing that for just 2 minutes of your time, which is how long it takes to complete one online form, you can save up to $450! How long do you work to earn that much cash? And what would you spend it on if you didn’t have to overpay for auto insurance?
Go on, get FREE no obligation quotes now and see how much you could save
