Finding cheap online auto insurance
Finding cheap car insurance can be frustrating. Dozens of sites claim they have the cheapest, or offer the best rates for teens, affordable car insurance for seniors, and more. Which is the right one? It all depends on your needs and level of risk tolerance.
By understanding what affects your rates, you can know when it's time to switch providers or companies to get that low price you deserve. If you have a clean driving record, chances are you'll be paying less than the person next to you. But if you've got an accident under your belt and had to make a few claims, it's likely that no matter what quote or provider you choose, it will be more expensive than if you hadn't had those problems.
Here are some things that impact the cost of your cheap car insurance :
1) Your credit score – A high credit score can save you as much as 20% on your annual premium. And if you have a record of your payments being made on time, that'll definitely earn you a lower premium as well.
2) Your marital status – Single drivers can actually save money, but if you're married with children, it's more likely that you'll pay more for your insurance. However, this isn't always true. If one spouse is young enough to not be a major risk factor and they have a good driving record, the combined premium may be less than those of single drivers, which is where the savings come in.
3) Where you live – The state in which you live has an impact on your rates as well. This is important because what you pay in one state might be much higher or lower than what you'd pay in another. In some states, there are pretty high car insurance premiums to begin with, and depending on where you live in that state, it all adds up.
4) Your driving record – If you've been an accident-free driver for 12 months or more, the chances are good that your premium will remain low. But if you've had accidents, have a driver's license suspension on your record, or failed to pay a few claims correctly (late), then there's no doubt that you'll be paying much more for years afterwards.
5) There are other factors that influence your cheap car insurance rates as well. These include the vehicle (or vehicles) you drive, how much coverage you want on it, and whether or not you want an uninsured driver involved in your policy to be covered.
The bottom line is that comparing cheap car insurance quotes takes only minutes and can save you a lot of money over the course of a year. Since most people drive their vehicle around at least once a week, keeping the cost as low as possible is definitely recommended. However, if driving performance is a factor, then additional training or courses may be required in order to qualify for low-cost insurance premiums in the future.
Affordable Auto Insurance Goorin Insurance is an independent insurance agency committed to providing affordable car insurance quotes and outstanding service. We offer free, comparative quotes on auto insurance from multiple companies to ensure you get the best possible rate. Want to see how much we can save you? Just ask for a quote to find out. Get a quote today!
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Written by admin May 26th, 2009 at 5:23 pm
Title: Car damage myths and how to avoid them and the major impact it can have on your car insurance rates [ARTICLE] [CONTRIBUTION] by US-Insurance-Quotes.com
Car damage myths and how to avoid them and the major impact it can have on your car insurance rates
It's amazing how many people don't know the facts about car damage and what they're doing wrong or right. While some of these guidelines are probably obvious to most people, it's safe to say that others may not be so aware of the various myths that are out there. So to make sure you're aware of all the important facts, here are some important information about car damage that every driver should know.
Myth 1: The costlier your car insurance policy is, the more 'insurance is protecting me'
In short, this is simply not true. While yes, of course it does help to have insurance on your car, you can be perfectly covered without having to pay the sky-high rates that most people are now paying for their cars. And while a lot of people are paying a great deal more (sometimes double the actual value) for their policy, almost all of these people are being protected just as well as they would if they were paying less.
So if you're going to keep your car insured, it's more beneficial to go with one of those companies that offer lesser rates and not fall for any insurance scam that wants you to pay more than necessary just because you don't understand how things work or what the real costs are.
Myth 2: New car cars are more susceptible to damages than used cars
In many cases, this is true. However, the newer the car a person buys, the more likely they'll have to pay for additional costs like state inspections and maintenance even if their insurance company will cover all of these expenses. However, let's say that your insurance company doesn't require you to pay for inspections and maintenance of your car. In this case, you'd be much better off with a new car because you'd be saving a considerable amount of money over time.
What's more, newer cars tend to cost less than older ones do (especially if you're buying used) and have a much greater resale value, which means that even if you don't get to keep the car after a few years, you'll still be able to sell it for close to what you paid for it. Older cars with a lower asking price aren't as desirable among other potential buyers.
Myth 3: Insurance companies are out to get me by raising my rates
While this may be true in some cases, the majority of people who are paying higher rates than they need to are doing so because they've had multiple violations or have been linked with accidents that they weren't at fault for.
Conclusion
It's easy to see that car damage myths are commonplace and can have a great impact on your car insurance premiums. However, as long as you're able to avoid these common misconceptions, then you'll be pretty well set to keep your rates low while getting all the protection you need. So if you're looking for ways to save money on car insurance and want to lower your rate, then take the time to learn about the facts behind these common myths and learn from them.
Affordable Auto Insurance Goorin Insurance is an independent insurance agency committed to providing affordable car insurance quotes and outstanding service. We offer free, comparative quotes on auto insurance from multiple companies to ensure you get the best possible rate.