Continue reading »]]> Reader’s Question:

Hi! I am planning to buy a car and was wondering how to find a cheap car insurance rate. If a car insurance rate is cheap enough, is it still possible to make it lower? Thanks!

Emma

Salt Lake City, UT

You can search for the cheapest rate by gathering car insurance quotes and comparing them. An easy way to get car insurance quotes is through their car insurance websites, not to mention it’s also free. It is important that you shop around because the price differences a car insurance provider offers can vary in huge amount; some of them offer $1000 more to be specific. By gathering at least 3 to 5 quotes from different car insurance provider, you can compare which of them is offering the widest coverage and at the same time you can see which one is offering the cheapest.

But finding cheap car insurance quotes to save money doesn’t end there. There are still ways to reduce that premium by asking for discounts. A good example of discounts is good driving discount. Basically, car insurance company will reward you a discount if you have a clean driving record.

Here is another tip, raise the amount of your deductible. Even car insurance company knows this little secret to reduce premiums. By raising your deductible, premiums can lower up to 35%.

You might also want to consider the car you are trying to insure. As you’ve said, you are planning to buy a car, it’s a good time to do a bit of research on which cars are safer and has a lesser chance of getting car napped since car insurance companies gives higher insurance rate to those cars which are risky.

Continue reading »]]> Reader’s Question:

My brother in law is selling his sedan and I was wondering what can cause an insurance quote to go high or low.

Barbara

Boston, MA

Actually, car insurance quote from every insurance company will be different even if you supply each of them the same information. So it should be good for you if you acquire car insurance quote from different companies and compare them.

But regarding your question, car insurance company determines their quotes by these factors:

1. Age – young or very old drivers will receive a higher car insurance quote.
2. Gender – Yes! Gender is another factor. Female have the advantage and it will cost less if they are the one trying to insure a vehicle.
3. Place where you live – it will depend whether you live in a rural or urban area. If you live in an area with a high crime rate, insuring cost for a vehicle will increase also.
4. Vehicle – most car insurance company rates cars by safety, ease of maintenance or cost of spare parts, the once which are cheaper to maintain or safer to drive will show a cheaper car insurance quote.
5. Credit History – Most car insurance company nowadays do check peoples credit history. If you have bad one, your chance of a low insurance quote is thin.
6. Driving History – this will greatly affect your quote. If you have a history of car accidents or even minor traffic violation, insurance quote will likely to increase.

Continue reading »]]> Reader Question: I am looking for a cheap and honest insurance broker that deals with people with bad credit, and not so clean driving record,  that would be ME.   I am a little older and wiser now, but my rates are not reflecting that.

Shirley,

Austin TX

Hey Shirley,

I think most of the driving public has experienced a ticket or accident at one point in their history…so don’t beat yourself up too much about that problem.  I would suggest you get a quote from this site, its free and they will compare 12 auto insurance companies in your area and let you chose the ones you want.  there are no obligations and they seem to work well with good, bad or no credit drivers….although you MIGHT pay more until you get your credit score up higher…but get the quote now and see, rates are at their lowest in years.  the economy sucks…take advantage of it.

Continue reading »]]> Reader’s Question:

Hi, this is Dave. I would like to ask why comparing car insurance quotes online is important? And how can I be sure that I am buying the ideal car insurance for me? Thanks.

Dave

Tallahassee, Florida

Comparing car insurance quotes online is one, if not the most important part when searching for car insurance. This is vital because comparison of car insurance quotes will show you if you have the ideal car insurance policy you need at the right or even lower price. Usually, car insurance websites can compare 3 or more car insurance policies from different car insurance companies side by side. This is easier for you as a paying customer to choose the right car insurance for you.

If you want to know if your chosen car insurance policy is ideal for you, fill out the online forms accurately. Also, be sure that you are comparing car insurance quote of the same coverage.
Keep in mind that price is not always the only factor you should look at when choosing the ideal car insurance policy. Newer car insurance companies tend to give lower prices compared with bigger companies. But be careful as well when buying car insurance from starting companies. If possible, check the credibility of the car insurance companies before purchasing.

Also, be a better driver on the road. Having a couple of traffic citations and road accidents will not help lower your car insurance premium rates. There are no limits when comparing car insurance quotes. And the best thing is it’s secure, fast and free.