Very Very Cheap Car Insurance Quotes

Here's How to Get Very Cheap Car Insurance Quotes

So you are interested in locating a very very cheap car insurance quote. Well, I will show you now not just how to find cheap auto insurance but rather how to find the cheapest car insurance rate that is available in your area.

The single most critical factor in getting a cheaper car insurance is shopping around for as many quotes as you can. How many? you should go for at least 5 quotes from different auto insurance companies, less than that will simply not do the job.

Now, the problem is that shopping around for five quotes can be a tedious and time consuming task - well, not anymore, now it can be much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location. in order to maximize your chances of getting the best rate possible we recommend you use both services:

InsurMe - May save you hundreds on your car insurance. Simply enter in your zip code and get free quotes from providers in your local area that offer great rates.

Kanetix - Provides multiple company insurance rates, see how companies compete for your business. Offers great rates from quality insurers.

Once you have in your hands several quotes, you can use The Car Insurance Price Comparison Tool to make sure you compare "apples to apples".

Here is how to further lower your rate to get realy very very cheap car insurance premium

Upon requesting a quote from an insurance provider you will be presented with an application form and be asked a series of questions regarding your driving history, accident reports, family situation, etc., now, the answers you give to these questions will be the determent of your premium rate - very very cheap auto insurans or an expensive one. Based on extensive research we will now reveal to you what is hidden behind each of the questions so that you will be able to maximize your chances of getting a cheaper quote.

Where you Live, Where You Park
The price that you pay will be affected by where you garage and drive your car. Applications include a question that asks for the address where the vehicle will be garaged. From this information insurers can tell a great deal about your risk of financial loss. For example, Insurers know from their claims experience that more claims are made from city areas than country areas (busy traffic, thefts, vandalism, etc.). Thus, drivers in heavily populated areas often pay more than rural. Note that two adjacent zip codes may sometime produce a substantially different insurance rates, this may be a consideration when you are planning to buy a new home and are looking at several nearby locations.

Other Drivers in Your Household
The ages and driving records of other drivers in your household will likely affect your premium. If you have young drivers that are covered by your policy, your premium will increase whether or not they ever or rarely drive your vehicle.

What can you do? well, if there are other drivers in your house that have their own vehicle and insurance and are not directly related to you, than in most cases they are not required to be covered by your policy. Another thing, if you have in your household a high risk driver, you can simply exclude him from your policy, this will make your policy much cheaper but naturally will also exclude him from driving your car.

Note that agents are sometimes reluctant to exclude drivers in your household from your coverage so you will need to be firm here. Note also that some states does not allow exclusions of household drivers.

What can you do to decrease your premium when you have a young driver in your family? make sure the youngster completes a driver's training course and if possible also the defensive driver course, this two in addition to being a good student can sometimes shave a nice chunk off your premium.

Will the Car be Used for Business?
Indicating that your vehicle will be used for business purposes will substantially increase your rate. Some insurance companies will even refuse to insure you once you indicated a commercial use of the vehicle. The important thing to know here is what is considered "business use", commuting to work and back is not a business use, delivering newspapers is business use.

Age, Make and Model of the Car
Car insurance rates are greatly influenced by your car's age, make, model and value. Certain makes and models of cars are considered to be causing greater levels of bodily injury when involved in an accident; sustain greater levels of damage; and, are more difficult and costly to repair. Insurance providers charge a higher premium for a car that displays such characteristics. Conclusion: when considering a car to buy you should also take in consideration the cost of insuring it.

Annual Mileage
On the application you will be asked about how often and how far you drive; higher annual mileage generally means higher premiums - this is applicable in most states. The insurer will in most cases count here on your statement unless you indicate a very low mileage.

Your Driving Records
Your driving history for the past three years; including moving violations, claims and accidents you have been involved in will substantially influence your insurance cost. Once your driving record is less than perfect, you will be considered a higher risk and will pay a higher premium. However, different companies rate various violations differently, thus it pays to shop around for the company that will provide you with the most favorable rate based on your specific situation record.

Note that insurance companies usually report your claims to a nationwide database that in return share this knowledge with most insurance providers. Your insurance company may use this data to verify your indication on the application form and the information you've submitted in the past.

Do You Own or Rent Your Home?
Sometimes you can get a discount if you own your house as opposed to renting it. Yep, insurance companies consider renters a greater risk than owners.

Prior Insurance Coverage
Most insurance companies will ask about your insurance history, that includes whether you currently have coverage or whether you have been cancelled or non-renewed in the past. Note that Insurers consider lapses in insurance coverage a greater risk and may increase your premium on this count.

Gender and Age
According to insurance industry statistics, males and young adults have a higher incidence of accidents; therefore, your gender and age will impact your rate. Rates generally decrease at age 25 and may increase as you approach age 65.

Marital Status
Insurance companies believe that married people have a lower incidence of accidents and claims, thus if you are married you will in most cases pay a somewhat lower premium than a single individual.

Credit History
Some companies may review your credit history when determining your premium. Factors like bankruptcies, late payments and the number of credit cards you have may result in a higher premium.

Is the Vehicle Leased?
Leasing a car may result in an extra insurance cost. Why? because leasing companies usually require that you get a high level of insurance coverage - higher than you may have in mind for a car you would own.

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Meir Liraz