This article gives some valuable suggestions to help you find cheap car insurance. My first advice for you is to be patient and do a thorough search for you insurance. Most of the times, we explore just a few insurance companies and decide. Because of that many times, we end up paying even 30-50% more for our car insurance.
The most important thing you need to keep in mind is that you have to explore as many companies as possible. Go to insurance quote sites and grab a lot of quotes. Call insurance companies individually and compare their offer. Apart from that talk to your friends and relatives and see how much they are paying for their insurance. Now, before doing this you need to know the types of discounts you may be eligible for. Few of them are described below.
Your driving history is the most important factor affecting your insurance cost. Do you have a clean driving history? If you don’t have record of accidents or traffic rule violations, you are eligible for good discount. If you don’t have a good driving history, then it will be better for you to take driving classes. I would specially recommend a defensive driving class. Having a good credit history also often helps you get a good deal in your car insurance.
You sex also matters a lot. Generally women are safe and law-abiding drivers. It is easier to get cheap car insurance for women than men. They are less likely to take risks and violate traffic rules. This often helps them get cheap car insurance easily.
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers. Drivers in the age group of 18-25 are more prone to take risks and be involved in accidents. So, it is highly recommended for young drivers to take a defensive driving class before looking for insurance.
What type of car do you drive? Luxury vehicles, large SUVs, small cars are not very insurance friendly. It is easier to find cheap insurance for family sedans, vans etc. And also consider adding security and safety features like air bags, tire pressure monitoring system, anti theft systems etc.
Every year insurance companies come with different offers. So, even if your car is insured, check for offers from different companies every year. If you can do a thorough search by keeping the above guideline in mind, it will be quite easier for you to find cheap car insurance.