Tips on getting the best auto insurance quotes

We're all used to getting very expensive auto insurance quotes from very different providers. It's not surprising to see a person paying several thousand dollars for insuring a single car these days. And while such outrageous prices are often explained by insurers through a multitude of factors ranging from bad economy to fuel prices, it is surely unacceptable to pay part of the car's entire cost for keeping it insured for only a year. And while the obligatory nature of auto insurance can surely get on one's nerves, there are many effective solutions to making it a lot more affordable. Here are some tips on how to do that:
Shop around
If there would be only a single possible solution to use, comparison shopping would be the first to think about. It's hard to overestimate the potential of comparing auto insurance quotes when it comes to making insurance more affordable. By simply comparing the offers from competing companies you can save hundreds and even thousands of dollars every year. Just make sure you know what exactly you want with your policy and keep comparing quotes for this exact set of coverage. You will be surprised how effective this can be.
Review your policy
Quite often people take what they are offered by their agents or brokers without looking deep into the contents of the policy. And this may often be the reason why they're overpaying hundreds of dollars each year. Make sure to study the contents of your policy and adjust them to your current needs. Change coverage limits to what's more appropriate in your area and exclude the types you don't really need. This can be a very effective cost-cutting measure, just make sure to not get carried away and cut the policy to the bare minimum - you don't want to be underinsured in case of a serious accident.
Get discounts
You will be surprised to learn how common the discounts really are. They are generally available through all insurers, even if not advertised. There are many common discounts such as good driving record, loyal client, multiple vehicle, successful student, senior driver, military worker, low mileage and so on. Just get a list of companies operating in your place of residence here, then take a little time to ask the insurers and see if you can opt for any of the discount they have - this alone can make your policy more affordable.
Change the vehicle
Needless to say, all of the aforementioned tips can be applied simultaneously for better results. But what if there's still no significant effect? This usually means that your car is simply expensive to insure to begin with. If you drive a sports car or an SUV it is obvious that you won't find cheap insurance. However, some family vehicles can be expensive to insure as well. That's why you should consider changing your car to a model that is generally cheap to insure in the first place. This can drop your insurance costs a lot, although it will come at a price of giving up your favorite car model.

Cheap Auto Insurance: The Best Cars of 2014

Every year, car manufacturers come out with new models on all of the top makes. They are not all big hits. In fact, only a few usually stand out as the winners for the year. Here are three that have won big appeal by the critics for the upcoming year:
  • 2014 Ford Transit Connect Wagon: Minivans have mostly fallen out of favor with the majority of buyers as crossover vehicles have taken over the market. However, the new Transit Connect Wagon by Ford may just bring the minivan back in style. This is a redesign of a van that has been popular for commercial use, but this time the focus is more on family traveling. It provides plenty of room for either five or seven people with lots of cargo space. However, the Ford Transit doesn't forget the importance of fuel economy; it has an impressive figure of 30 plus miles per gallon on the highway.
And of course this review also pays attention to how easy these models are to ensure.
  • 2014 Kia Cadenza: This just might be the sportiest car Kia has released in some time. It's also a larger car than what you usually see and comes at a higher price tag. The Cadenza also carries some premium features such as a leather upgrade. Comfort is as big of a priority on this new car from Kia as style, so it provides good handling and plenty of room. Another feature that drivers will enjoy is the smart cruise control that stops to avoid collision with the car in front and starts up again if the stop was only momentary. This is a good safety feature that will help you find cheap auto insurance despite its near-luxury status.
  • 2014 Chevrolet Impala: One of the classics that are still available, the Impala has not been as popular in recent years. However, this model is a redesign aimed at capturing a new generation of Impala lovers. If you are looking for a mid-size sedan that has plenty of room and plenty of style, the new Impala might just be perfect. It's still got that classic look with a longer hood and short trunk. It's also loaded with modern features that today's drivers will appreciate. It even has a way of locking your touchscreen to keep information safe, a feature that makes it less attractive to thieves and in turn makes it easier for you to get cheap auto insurance even on a brand-new car.

Multiple Ways to Get Cheaper Car Insurance Quotes

Are you looking for ways to save money on insurance? You know that certain discounts are available from insurance companies. But, there are other ways to get lower rates. You can use the following information to get competitive car insurance quotes from insurers in your state.
Change Coverage
Too often, drivers just keep paying premiums each year without considering their coverage needs. Making changes to your coverage is a fast way to lower your rates. There are several ways to accomplish this, including the following:
  1. Drop coverage you do not need at the moment. For example, you may not need comprehensive insurance unless you have a newer vehicle or car note.
  2. Consider a pay-as-you-drive policy if you rarely drive or only drive locally. A low mileage policy is cheaper than a traditional one.
  3. Reduce the amount of your coverage limits. You can do this with any coverage as long as you maintain the amount of liability required by state law.
  4. Increase your deductible to lower your premiums. Make sure the deductible amount is reasonable and one you can afford.
If you are able to implement more than one of these recommendations, you can save even more on your premiums. You can apply these coverage changes when requesting car insurance quotes on
Additional Steps to Take
There are several steps you can take to improve your insurance rates. Experts suggest you consider the following actions if you want cheaper car insurance quotes:
  • Monitor your credit rating. Most insurers incorporate your credit history in the rate calculation process. By making sure your credit reports are accurate, you will get the best rates possible.
  • Review your policy and coverage needs annually. You may be paying for coverage that is no longer valid. And switching insurers might help you get lower rates.
  • Ask your employer about coverage options. Many companies offer discounted insurance to employees but you may be restricted to one insurance provider.
  • Improve your driving by taking an authorized defensive driving course. Anytime you take proactive steps to be a better driver, you have an opportunity to save on insurance costs.
Talk to your insurer if you need additional ways to get competitive car insurance quotes and save money on premiums. Insurance companies want to keep your business and will do what they can to help you reduce costs rather than see you switch to a competitor. Review your existing policy and get quotes to find better deals today!

Tips on getting cheap auto insurance

Getting cheap auto insurance isn't some magic trick that only finance experts are able to pull off. With enough basic knowledge and patience you can easily find affordable insurance for your car. Of course, the results to how cheap the insurance can get will always vary depending on your location, demographics and the car you're trying to insure. However, by applying any of the following methods and combining them simultaneously you will always find more affordable options regardless where you live or what car you drive:
So discover what tips have collected here for your conveniene.
Coverage optimization
One of the main reasons why people end up paying too much for insurance is having too much coverage they don't really need. This problem can be easily eliminated by reviewing your policy and optimizing your coverage. Just try to rationalize your insurance needs adequately and remove all the coverage options that are essentially useless in your situation. Just make sure to avoid being short of basic coverage since it will always come in handy in case of an accident.
Deductible adjustment
Deductibles are used for some of the most used types of coverage such as collision or comprehensive. To put it simply, a deductible is the amount of money you are ready to pay out of own pocket before the coverage is used. And naturally, the higher is the amount the less likely for the insurer to pay out a claim. Thus, when you increase the deductible your premiums are automatically lowered. Take note, this method is very effective for obtaining cheap auto insurance but it is also risky for those who push the deductible too high. Just make sure to set the value to something you can really afford in case of an accident.
Comparison shopping
Comparison shopping is one of the simplest and most effective tools for obtaining cheap auto insurance. Since every company has its own methods used for calculating rates, there are always fluctuations in the average price for a given policy when browsing through different insurers. Comparing auto insurance quotes lets you exploit this fluctuation to own advantage and get a decent policy for a fair price. All you need to do is simply get a lot of quotes and compare them.
Discounts are more common than you may think and it can be very helpful to benefit from one of them. Ask your insurance provider if you can get any discount - they will probably have something that will fit with your situation. And if you make part of a particular group, such as credit or trade union, professional association or private club, you can ask the organization if there are any affiliated insurance companies that may provide a discount.
Driving courses
Driving courses are another method for obtaining cheap car insurance. But we're not talking about basic driving courses required for your license exams. There are plenty of advanced, safe, defensive and special driving schools and courses all over the country. And while completing them will surely improve your driving skills, the main benefit is the certificate, which usually grants you a discount with the majority of insurance providers. This way you're simply killing two birds with one stone: becoming a better driver and getting cheap auto insurance.

There's also a corelation between gender and auto insurance quotes

We live in the day and age where equality is something that doesn't need to be discussed - it's an obvious virtue of our society that everyone can benefit from. And while there are many people who would argue that equality - whether gender, ethnic or by any other trait - is simply a part of a politically-correct culture that has nothing to do with the real world, it would be wrong to argue that it's here knowing how things have changed over the period of the 20th century. Those, who believe that they aren't treated equally just because of their gender, ethnicity or sexual orientation have the power to stand up for their rights, and it's something everyone knows about and respects. But at the same time, there are still certain areas where gender inequality is something that everyone tends to take for granted and no one is complaining about. Auto insurance is one of these areas, and if you are surprised then you are probably going to learn something interesting by reading on.
The great gender debate
We all have been there - arguing with our significant others or friends in general about who's a better driver. It's commonly believed that men are better drivers and women are awful at parking. And while this may be true to a point - after all, men are generally better at all things mechanical and moving fast, while women often have reverse parking problems - extrapolating certain traits into general beliefs isn't very bright. In fact, the contrary has been proven by insurance companies years ago and they have all the data to prove that women are better drivers than men. At least, when it comes to safety, women tend to file fewer claims with lower damage figures then men, both absolutely and relatively. And you can't blame it for the number of female drivers, as in some areas the number is equal or there are even more women behind the wheel than men. That's exactly the reason your wife or girlfriend is likely to get lower auto insurance quotes even if you're driving the same car and living under the same roof.

The corelation between gender, age and auto insurance quotes

That's right, women tend to get more affordable auto insurance quotes at all ages when compared to men. Naturally, at younger ages both male and female drivers get the highest quotes because they lack driving experience and skills. And while teenage females will get a slight cut compared to males, this difference will be negligible compared to the overall amount of money paid for the policy. At later stages in life the rates gradually decrease whereas the difference in quotes based on gender becomes more pronounced. But still, this difference will not account for a considerable difference that could be classified discriminatory. Sure, there will be a slight difference that will only get to several percent, yet it still can make some people ask why it's so in the first place. The only reason why is that women file fewer claims than men, none other than that. Just like teens and seniors are faced with higher auto insurance quotes because they generate more claims than middle-age drivers.

What if the inequality is addressed through legislation

For some people this explanation just won't suffice. It may certainly feel as if there was an actual discriminatory policy in action that needs to be lifted. That's exactly what the EU insurance regulation authorities felt like about the gender inequality, feeling the urge to do something about this inequality in their land of ubiquitous equality and tolerance. The resulting act imposed all EU insurance providers to eliminate the gender-affected factors from the quote calculation process and makeauto insurance quotes equal for both sexes. The result? Middle-aged women ended up paying more for auto insurance while teenage men (the riskiest drivers all over the world) - considerably less. Equal? Yes. Fair. That's up to you to decide, but think of what will happen if such a law is passed in the USA. There's a very good example of how this may end up after all and we should definitely learn from it.