Affordable car insurance is something that everyone wants, but many do not know how to find. Fortunately, there are many strategies that work for saving money, regardless of your age or gender. It might require patience, but in the end you can save a lot.
First of all, one thing that everyone recommends is shopping around and comparing quotes. This is effective, but there is a specific way to do it. First, it is good to use online brokers, because they have established agreements with many companies.
In other words, instead of filling out one form 10 times at 10 different insurance websites, you will it out one time on a single website, and then get 10+ quotes instantly. Then, when you find the cheapest price for your area, you can then either click through to the company’s website, or go directly to their site on your own. Take the latter option.
First of all, one thing that everyone recommends is shopping around and comparing quotes. This is effective, but there is a specific way to do it. First, it is good to use online brokers, because they have established agreements with many companies.
In other words, instead of filling out one form 10 times at 10 different insurance websites, you will it out one time on a single website, and then get 10+ quotes instantly. Then, when you find the cheapest price for your area, you can then either click through to the company’s website, or go directly to their site on your own. Take the latter option.
The reason is, if you use the broker link to buy the policy, they will be able to track that. Then, they will charge you a fee on top of what you pay for the insurance. However, if you cut out the middleman and go right to their website without using them, you save some money. This is a great strategy for instantly getting some savings that most people never think about.
Another thing to do is buy a less expensive car. In particular, avoid higher profile vehicles, like sports cars, and to a lesser extent, luxury cars. Sports cars are known for getting in more accidents than standard cars, so avoiding them is important. Luxury cars cost more because, like sports cars, they stand out more, and therefore both are a bigger target of thieves. In either case, you will pay more for them.
Another thing to do is buy a less expensive car. In particular, avoid higher profile vehicles, like sports cars, and to a lesser extent, luxury cars. Sports cars are known for getting in more accidents than standard cars, so avoiding them is important. Luxury cars cost more because, like sports cars, they stand out more, and therefore both are a bigger target of thieves. In either case, you will pay more for them.
However, even if these two factors were not in play, you would still pay more for any expensive vehicle. This is because the company has to pay more in the event of a crash. Unless it is very important to you to have a particular kind of car, it is best to go with a cheap used vehicle.
It might be boring, but you will be amazed at the difference in the price you are quoted. To test this out, try filling out the insurance forms for a 2010 Corvette, and then for a 2010 Honda Civic. You will probably be shocked at the difference.
Also, consider getting car alarms and anti lock brakes. Neither of these things will save you a fortune, but even $2-3 a month over time can add up. Make sure you pay as high a deductible as possible. If you offer to pay out $500, you will not save nearly as much as if you were to offer $5000 in the event of a crash. Obviously you do not want to pay more than you can afford, but as this will save you an incredible amount of money every month, you definitely want the deductible as high as you can go.
Finally, make sure you take long term preventive measures, like driving carefully. This certainly has no immediate impact, but the longer you go without an accident caused or ticket, the less you will pay. If your record is especially bad, consider taking a defensive driving course for further savings. Your driving record is one of the two most important variables for how much you will pay, so taking this step will save you money.
The bottom line is, affordable car insurance will take some searching to find. However, it is definitely worth it. Implement these tips, and you will save money now.
It might be boring, but you will be amazed at the difference in the price you are quoted. To test this out, try filling out the insurance forms for a 2010 Corvette, and then for a 2010 Honda Civic. You will probably be shocked at the difference.
Also, consider getting car alarms and anti lock brakes. Neither of these things will save you a fortune, but even $2-3 a month over time can add up. Make sure you pay as high a deductible as possible. If you offer to pay out $500, you will not save nearly as much as if you were to offer $5000 in the event of a crash. Obviously you do not want to pay more than you can afford, but as this will save you an incredible amount of money every month, you definitely want the deductible as high as you can go.
Finally, make sure you take long term preventive measures, like driving carefully. This certainly has no immediate impact, but the longer you go without an accident caused or ticket, the less you will pay. If your record is especially bad, consider taking a defensive driving course for further savings. Your driving record is one of the two most important variables for how much you will pay, so taking this step will save you money.
The bottom line is, affordable car insurance will take some searching to find. However, it is definitely worth it. Implement these tips, and you will save money now.
