Car Insurance Rates

Car insurance is a financial necessity but it often comes with an irritating monthly cost, paying premiums when nothing happens. However, going without the coverage could spell disaster and even bankruptcy for a driver as well as potential criminal charges in some states. So, for many, car insurance feels like a necessary burden. However, there is a solution to having good car insurance at an affordable cost. Enter your Zip Code at the top of this page to obtain competitive quotes from some of the best auto insurance providers available. Doing so puts competition on your side.

There are other ways to lower car insurance rates as well, and savvy consumers nationwide practice them to keep their costs down. These include the following:

  • Take Advantage of Public Transit – If you already use public transit to commute to work or school on a regular basis, then technically you’re not driving your car in a commute. There’s no sense paying for the insurance cost of commuting during the weekday if you’re not doing so. By switching your coverage risk to “weekend use,” it can reduce the cost of a policy significantly. Just make sure to stick with the plan and keep using public transit on a regular basis. Not only will doing so save money on your insurance policy, it will also save money fuel as well as your vehicle wear and tear.
  • Choose a New Car Wisely – When in the position to buy a new car, the higher auto insurance rates often apply to cars that are perceived to have a higher risk. This usually includes muscle cars, sports cars and single driver roadsters. Minivans, pickup trucks, wagons and family-oriented cars are often not as much to insure as say a V8 Mustang or a Corvette. So while that muscle car may seem real attractive, remember that owning it will continue to cost, including higher car insurance quotes.
  • Compare, Compare and Compare – There is no reason for a consumer to go with the first car insurance offer or quote that comes along. Often, by simply obtaining five different quotes, serious savings can be realized for the same coverage, same policy terms, and same protection. Further, with today’s Internet tools, it’s quite easy to obtain multiple quotes. With an hour or two of research, a consumer can have quote requests out and pending with insurance providers, receiving responses by email quickly.
  • Review Your Policy – Often, car insurance rates tend to creep up over time. This is because insurance providers add terms with each renewal that generate small, new fees. If a consumer with an existing agreement doesn’t do anything to object, the new fees become approved and added to the new policy renewal. Again, by comparing an existing policy with new ones, serious savings can be realized.
  • Do You Really Need all that Protection? Auto insurance quotes are often based on a consumer buying a comprehensive liability policy. These are the full packages of coverage that protect a car owner from just about everything. However, if the car being covered is a ten-year old vehicle, chances are the replacement value on the car is less than $10,000. Aside from liability for others’ property and injury, how much protection is really needed on a policy with an older car? Not as much as you think. Again, obtaining accurate car insurance quotes provides key information for smart financial decisions.
  • Keep the Vehicle Secure – By simply using your garage as place to park your car instead of a default family storage bin, car insurance rates can be lowered. Insurance providers know the most common time that a vehicle is damaged or vandalized is when it is left on the street at night, parked next to the sidewalk curb. The opportunity just begs thieves to look inside the car to see if there is anything to grab. Further, higher quality cars have a higher chance of being stolen on the street as well. Parking in a garage lowers damage and theft risk considerably, which insurers like. So they reward car owners accordingly with a lower premium. The same goes for using a car alarm with an ignition kill feature as well.
  • Don’t Leave Valuables in a Car – While vehicle accidents on average tend to be rare by individual driver, window smash and grabs can be far more common if a driver makes the mistake of leaving valuables inside a car and visible. The cost of replacing a door window can be anywhere from $600 to $1,500 with mechanic labor charges of $120/hr on average. And filing claims for car damage from window repair to damaged door locks can easily drive up a car insurance premium for too many claims in a short period.
  • Drive Your Car as it was Designed – Insurance costs can go up as well if a driver repeatedly uses his vehicle in a way it was not intended. For example, just because a truck or an SUV has big tires and a higher road clearance underneath doesn’t mean that it is automatically equipped to handle all types of off-road driving. In fact, many a knucklehead has prematurely burned out his transmission and clutch going off-road in the mud with a vehicle that wasn’t designed for such abuse. Using a car as it was intended can avoid these problems as well as being charged for the risk of off-road driving as well.
  • Don’t Forget to Claim Your Car – If you run a business and use your car on a regular basis for that business or an employer, you can deduct part of the costs from your income taxes every year. This savings can be used to offset your insurance costs, but they only apply if the deduction is claimed. So a car owner eligible for the tax savings should always keep a detailed mileage log by date and miles driven and purpose, as well as save every billing paid for insurance coverage. Both can then be used for a legal tax deduction which can save hundreds of dollars annually.

There are multiple other ways to save as well, but don’t forget to compare car insurance quotes with our Zip Code comparison tool above.

Recommended resource: Autoinsuranceape.com