Low Cost Auto Insurance For Teens – Tips
Cheap auto insurance which offers good protection often seems like a dream too good to be true. People don’t believe in getting cheap products nowadays as the inflation rate rises significantly in every part of the world. Insurance rates undoubtedly rises as well, however by doing some homework, there are still chances for you to get your auto insurance without paying high price for it.
Generally, women pay lower rates than men do due to the fact that people believe women are safer drivers. This shows that women have an advantage in securing cheap car insurance rates without having to negotiate much. Therefore, consider putting the wife’s name as the primary driver for every vehicle owned by you and the husband’s name as the secondary driver if you are married.
Next, use the Internet to search for the cheapest rates between multiple companies. Different companies have different quotes and the easiest way to compare them in a short period of time is to use comparison sites specialized for insurance. Internet also serves as a good channel to purchase your policy online. Many online insurance companies are able to offer cheap auto insurance due to the fact that they have less overhead and advertising costs compared to companies operating offline. They also face strong competition as more companies are venturing online insurance business. Furthermore, they are usually less established compared to offline big companies. Offering cheaper rates are what they can do to attract more customers to compete with other more recognized companies.
Usually, insurance companies have special plans for low-mileage drivers which are often cheaper. This means that you will need to pay less as you drive lesser. Low-mileage drivers will face lower risks of accidents as they don’t drive too often or too far. Try to drive within short distance to reduce your vehicle mileage. As an alternative, you can consider taking public transports such as buses or carpooling with people traveling to the same destination as yours to maintain a low mileage.
Deductibles are the part of any claim that is not covered by the insurance provider, which means it is the portion that policy holders are responsible to pay in the event of any claims made. The higher the deductibles that you choose to pay, the lower the premiums that you need to pay. You can opt to get higher deductibles if you can afford to pay the portion.
In conclusion, following the tips can save you tones of money annually. This is what we want to achieve as a wise customer. However, be careful and do not get duped into getting cheap auto insurance before reading the terms and conditions with cautious as some might contain hidden charges.
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Help answer the question about cheap auto insurance
Where can I find cheap auto insurance?I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?
I live in Virginia, in the USA.
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Posted by American Car Insurance on October 26th, 2008 filed in Auto insurance | 9 Comments »
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9 Responses to “Low Cost Auto Insurance For Teens – Tips”
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October 26th, 2008 at 5:34 am
Insurance is very individual because it's based on your drivers record, sex, age, and a number of other variables such as location, credit rating and type of vehicle being insured.
October 26th, 2008 at 6:47 am
See this http://gsx1.com/Car-Insurance/100.php take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge.
But to find a cheap price you should get several quotes, do some legwork till something really cheap will come along.
Here's more from my bookmarks
http://finance.ebookorama.com/ukusa-selected-resources.php
http://gsx1.com/InsuranceComparison.html
If you buy an oldish Corolla, they are cheap to insure and fair on gas, get liability only and that's the cheapest type of cover you may get.
But get several quotes, try them all, they are free so find the cheapest one, it's out there.
October 26th, 2008 at 4:01 pm
Look at State Farm and other insurers who offer a "good student" discount. One strike against you on the premium is the fact that you bought a Mustang. This is considered a sports car in vehicle ratings (IRG) and add to that an 18 year old single male and it causes actuaries everywhere to shudder. Those are all high risk elements when figuring a premium. However, if he's in your household and you have multiple policies with the same company and he's got the grades AND you have a good claim history with no accidents, that will give you the best rate. If he didn't have a car that had to carry collision coverage, it would be a lot cheaper but what's done is done. No matter the cost, be sure he has at least $100,000/$300,000 liability limits.
October 26th, 2008 at 7:30 pm
The best thing to do is call a LOCAL independent agent. Look in the phone book for the PIA or Big I (Trusted Choice) logos and they should be able to help you.
In Texas, we have several companies that will write a 30 day policy – but that is the LEAST amount of time for issue.
If you are hear as a tourist, you can purchase coverage on a rental car. I have had foreign workers that come and find it more cost effective to purchase a car for the period they are here and then sell it when they return to Europe.
In that case, 30 day policies would probably be what you need. You could always start a 6 month plan on payments and then just quit paying when you leave the country.
Good luck and I hope this helps!
October 27th, 2008 at 10:25 am
I would suggest Progressive, I just switched to them from Esurance and my premium is about half of what it was with Esurance, and the coverage is the same, even a little better in some categories. The fact you are a new driver will not hurt you, if anything, it will HELP you, since you will not have any violations that will up the price of your insurance. In addition to this, you are 26, most isurance dropas at age 25, so you should find a decend price, I would suggest checking out Progressive. But whatever you do, shop around a bit. Hope this helps, Good Luck.
October 27th, 2008 at 3:29 pm
call an insurance broker and get a quote. That is free to you. Some insurance companies will assign you a credit score, some do not. (They are proprietary models- not FICO) .Insurance companies assign additional risk depending on where you live- a big city may be more expensive than a suburb or rural location- more likelihood of damage to auto, or theft of vehicle. Additionally, it depends on what you drive.
If you purchase renter's insurance or homeowner's insurance, some companies will give you a discount if you place them both with the same carrier. So, call an independent agent for a quote, and then compare that to the direct insurance companies like Allstate, State Farm, etc.
October 27th, 2008 at 6:53 pm
Car insurance in the US is a real mess, and options are pretty limited. But there's a pretty good site that compares up to 12 insurance carriers by filling a single form:
http://best-american-insurers-free-comparison.servicesarticles.com
Take a look. Hope it helps.
October 28th, 2008 at 2:23 am
Here http://www.comparecheapmotorinsurance.solutionsarticles.com/
you can compare a number of insurers by filling in just the one form!
Good luck with your new car
October 28th, 2008 at 7:04 pm
Find an agent that carries lots of different companies. They can usually find you something cheaper.