Cheap Car Insurance
How to Find Cheap Car Insurance
By Jim Bassett
Though the motor car is far safer than at any time in the past, the rate of accidents on the national road network has not decreased over the last decade. There are a few factors that have contributed to this sad fact. Of course there are now more vehicles on the road and also the use of cell phones when driving is still commonplace though illegal in most states. When we consider the cost of motoring we cannot help but notice that year on year the costs rise. Now gasoline is phenomenally expensive and the price of tax and insurance policies have also gone up. If you want to make savings it is possible to do so by searching for a cheap car insurance policy, you would not be able to tax your car for less or fill up the tank with budget fuel!
There are countless agents and brokers who can provide you with adequate insurance that is a legal requirement in every state. Some insurers you may be already aware of but there are also new players in the market who can offer excellent deals. Your first port of call should be the net as this is where you would find the best quotes in terms of price. An online insurance company would have much lower overheads than a firm that has offices in various towns and cities.
A quick search online would pull up the names and details of a dizzying array of insurers that you could use. If you want to bring down the value of the quotes you are given then there are a few strategies you could take up. It is important to understand how a broker goes about calculating the quotes and also the type of discounts that are available.
For a start you should take steps to reduce the risk of your car being stolen or damaged. A simple anti-theft device such as a steering lock can be bought for as little as thirty dollars and could in return reduce the cost of the policy by a hundred bucks or more. Also a loud alarm can be a big deterrent to potential thieves.
Consider the length of your policy. Though you may think you are saving money by opting for a six month premium this would not be so cost effective in the long run. Always choose a yearly premium if you can afford it.
If you use a certain credit card when paying for the policy you can be given a discount. The same is possible if you belong to a certain union or industry. Those people in the armed forces can often get excellent deals.
At the end of the day it is important to choose an insurer who is both reputable and reliable. A cheap policy would be of no use if the insurance company is less than enthusiastic in paying out if a claim is made.
Take your time to explore all the options and do not jump at the first cheap quote you are given.
February 13, 2011
7:16 pm
Will you help to get cheap car insurance no deposit ?
Is it possible to get cheap car insurance no deposit for a student of almost 16 ? Frankly speaking I rarely drive and occasionally drive my friends’ car. What website enables me to get such a cheap insurance ?
February 18, 2011
9:54 pm
I recommend you this site where you can compare quotes so you can find the best option for you
http://Cheap-Car-Insurance-USA.info
February 14, 2011
11:24 pm
what is the best car for cheap insurance?
im 17 and i was wondering what will be the best car for cheap car insurance and around how much will it be.
February 22, 2011
12:18 pm
You can check insurance group ratings at
http://www.abi.org.uk/carinsurance/search.asp – the lower the group, the cheaper the insurance.
The best thing to do is get a quote through a insurance comparison website like http://www.confused.com and then keep changing the make and model of the car to see the price difference.
February 21, 2011
4:40 pm
Where can i find cheap car insurance for a 17 year old male?
Its really starting to get on my nervse that i can not find any cheap insurance anywhere! Why do insurance companies in the UK want to make life so hard for young drivers? Yeah stasticaly the majority of us crash our cars. But why should the small majority of young drivers like my self have to pay the price and live with this stereotype by paying RIDICULOUS amounts of money?
February 20, 2011
8:43 pm
It is not a case of insurers making life difficult for young drivers, but the other way round. Insurers are being hammered with claims from young inexperienced drivers, and I can assure you that if they just charged those high prices to make a tidy profit, there would not be so many insurers stopping insuring younger drivers altogether. It simply is not viable to offer insurance to people with little or no driving experience because of the cost of claims that comes with it.
You state that you feel that those young drivers who make the claims should pay for those claims, and they do, as in addition to paying the high prices you pay, those young drivers who claim will lose any no claims discount they have and may face premium loadings when they make a claim, and their premium will go up even more, but the insurer has to try and judge the likelihood of you making a claim when they insure you, and set your premium accordingly, and to do that, they look at the risk profile of drivers with a similar age and experience to yourself. It would not be fair for example to tell experienced drivers in their 60′s that the cost of their insurance is going up because young drivers are making claims, so they have to spread the cost of those claims across the younger drivers.
You ask where you can find cheap insurance, and to be honest, if any company out there offered cheap insurance to inexperienced drivers, they would have gone bankrupt years ago as the cost of claims would outweigh the premium paid. The best thing you can do is to try a few price comparison sites, as whilst all insurers will be expensive, it will at least point you to the least expensive. Try as best as you can to reduce the risk to the insurer by going for a car with a low insurance group, alarm it, keep it in a garage or somewhere safe when not in use, look at higher excesses, even try putting an experienced driver on as an additional named driver as that can sometimes reduce the cost. Drive safely and carefully and don’t make unnecessary journeys and there will be less chance of an accident. As you start to build up claim free driving experience, the cost of your insurance will start to come down.
February 28, 2011
8:07 pm
What is a cheap car insurance company in Arizona?
I’m looking to find a cheap insurance company to insure my car in Arizona. I was paying 116 a month for it at the general and I was wondering if anyone knew of a cheaper place.
January 23, 2011
1:49 am
I know 2 people who got a lower rate with Geico.
February 28, 2011
8:09 pm
Where to find really cheap car insurance?
I want to buy a $200 car mainly to run it into my friend’s $200 car (kind of like playing bumper cars with real cars). I need a really cheap insurance that will basically only allow this car to be legal. I don’t plan on making any claims on it or using it for anything other than playing around on private property. Only want to make it road legal. Any suggestions? I am looking for something under 50$ per month
February 20, 2011
1:22 am
Sounds like fun.
Though if you are only going to use it for ramming in to each other, surely it will not be safe to take on the road anyway?
If you really want insurance take it out on a monthly basis as I don’t think the car will last that much longer LOL.
Have fun though.