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Cheap Auto Car Insurance

Cheap auto car insurance comes in many shapes and sizes. What you might consider cheap auto car insurance, your neighbor might consider expensive. This is because everyone’s definition of ‘cheap auto car insurance’ is different. When you compare auto coverage online, however, one thing remains the same – you will be able to slash your current price by up to 35 percent. And that equates to cheap auto car insurance, no matter how you look at it.

Car Insurance Quotes

When comparing cheap auto car insurance one good place to start is at the national average, which is around $1500-$1600 per year depending on the time of year. However, it is important to remember that every state has its own average when it comes to car coverage. Idaho, for example is well below the national average at around $1000 while New Jersey is well above the national average at over $2200[1]!

Another thing to remember when you are looking for cheap auto car insurance is that your individual risk assessment will play an important role in how much you will pay for your premium. Every provider will rank their drivers based on their risk level. High risk drivers can expect higher rates than low risk drivers. So what makes you a high or a low risk driver?

High risk drivers tend to be those that have a poor driver history or no history at all, have a poor credit rating and thus are less likely to pay the premium on time, spend a lot of time on the road and drive an expensive and unsafe vehicle. You could be looking at higher premiums if you are a young driver under the age of 25 or if you have a number of traffic convictions and violations such as DUI convictions and speeding tickets. You could also be looking at higher premiums if you have made a claim in the past three years. Furthermore, you will also most likely be looking at a higher premium if you drive an expensive or unsafe vehicle. Compare, for example, the Porsche 911 Carerra average auto insurance rates to the Honda Odyssey and you will notice the Porsche is more than double the rates to insure.

Car insurance providers want your business. However, if you are in a high risk category, most providers will not offer you a cheap rate. This is because most providers reward safe and low risk drivers with cheap premiums. The lower your risk is, the less likely you have of being in an accident and costing the insurance company money. And thus, the lower your cheap auto car insurance rates will be.

Lower Your Rates

While there are some factors that affect your learning driver auto insurance rate that you cannot change, such as your age and gender, there are a few tricks to get cheap auto insurance and convince the providers to offer you a better rate. One of the easiest ways to get an affordable price quote is to remain as safe as possible on the roads. After three to five years of accident and claim free driving, you are well on your way to a cheap discount on your auto coverage, even if you are a teenage driver or have a poor driving record.

Another way to get cheap auto car insurance quotes is to make your car as safe as possible. Even if you drive a Porsche, a coupe or any other smaller, less safe vehicle, you can benefit from adding an anti theft device to it and upgrading your safety features. You can also lower your premium by always locking the doors and parking in a safe place overnight to reduce the risk of theft.

Another excellent trick to get cheap coverage is to consider upping your deductible. Rather than risk insuring under basic coverage only, you can lower your policy each year by increasing the deductible (the amount you pay if and only if you need to make a claim). As long as you are not in an accident, you can save a small fortune each year with this little trick. Furthermore, you do not have to risk your financial future every time you get into your car. You will still get comprehensive coverage but with a minor cost add-on if you do need to make a claim. For many drivers, this extra charge is well worth the money you can save in the long run.

Compare Cheap Auto Insurance

Take advantage of an online search where you will find the lowest prices when insuring your car. Cheap auto car insurance could only be a click away. When you compare quotes online you are giving yourself the best opportunity to find a cheap rate, regardless of what you drive, where you live, what your driver history says or how old you are.

[1] http://www.carinsurance.com/Average-Premiums.aspx 1/13/2011