To get a reliable company that offers cheap car insurance quotes, you need to know the right place to find it.
Are you currently serve in the United States military? Most car insurance companies offer highly discounted premiums to active soldiers and veterans. The USAA also offers Cheap Car Insurance deals to spouses and children of military personnel.
In addition to paying less, your insurance coverage will compensate for any damage that occurs when the car is stored. This is a better alternative to delaying your car insurance because your family can still drive your car without fear of legal consequences.
2. Colleges within 100 miles of your home
Road accident statistics show that drivers aged between 18-40 are most vulnerable to car accidents. Low driving experience and drunk driving are the main reasons why this age group suffers a lot of motorcycle accidents every year. Instead of punishing young drivers with expensive car insurance quotes, companies use a motivational approach.
If you live with your parents and college at least 100 miles away from home, you can apply for a discount for students. First, you need to get insurance from the same company that offers car insurance for one or both of your parents.
3. Dean list
Hard work pays off. Studying hard in college not only gives you prestige and an excellent place on Dean's list but also qualifies you for Cheap Car Insurance deals. You might be wondering how excellent academic performance correlates with cheap car insurance deals. However, car insurance companies believe that academically savvy students almost always turn into responsible drivers.
What are the requirements? You must be under 25 years old. Part-time students do not qualify for the Good Students discount. You must have a minimum cumulative GPA of 3.0.
4. List of crash-free drivers
Car insurance companies track your driving history to determine your risk level. Car owners with terrible accident rates pay expensive car insurance premiums to prevent them from being involved in reckless driving. Why? Because insurance companies lose money every time, they pay compensation to drivers and accident victims.
Car owners who have shown a high level of discipline on the road, end up in good books. The insurance company gives a gift to the owner of this lawful motorized vehicle with a quote of Cheap Car Insurance.
5. Women's Network
Did you know that insurance companies allow women to pay lower insurance premiums than men?
Remember what we said about why insurance companies hate paying compensation? Motor vehicle accident statistics show that men are more likely to be involved in reckless driving compared to women. Because insurance company want to save money, they encourage responsible driving by offering women cheap car insurance deals.
Car insurance companies actively reach out to female drivers who work in civil service, the private sector and high-end beauty salons. You can also find some ads on the local women's entrepreneur network in your city.
12 tips to help you get an Affordable Car Insurance Quote
1. Improve your credit score
After receiving your application for car insurance, the company carries out a rigorous investigation of your credit report. This information help your car insurance provider to assess your payment history. An excellent credit scores is a sign that you pay all your monthly debt obligation on time and in full.
Car owners with bad credit scores find it difficult to qualify for a Cheap Car Insurance offer for one reason. Car insurance company find it hard to trust them because of unsatisfactory payment history. A bad credit score is an indicator that car owners will most likely be back on their monthly insurance payments.
2. Compare insurance premiums with the value of your car
Some insurance companies usually sell collisions and comprehensive packages for drivers who have motorized vehicles that are 8-10 years old. Older cars are more likely to experience significant damage due to sophisticated wear. Because car insurance companies are interested in profit maximization, they differentiate liabilities into two types.
Comprehensive car insurance packages offer compensation every time your car is damaged due to bad weather, falling objects, theft, and vandalism. Collision, as the name suggests, provides compensation every time your car crashes or is hit by another car.
Now that you know the difference between the two covers, you must determine whether they reflect the true value of your car. To do this, add what you pay per month to collisions and comprehensive premiums. Double the number by ten and compare it to the market value of your car. If the amount exceeds the value of your car by 50%, find a car insurance provider that is more affordable.
3. Request for a low mileage quote
Long-distance drivers have a higher rate of car accident than car owners who drive less than 500 miles per month. If you do a little research, you'll see that fatigue and poor visibility because driving at night causes thousands of car accidents every year.
Car insurance companies reward responsible driver by offering Cheap Car Insurance coverage, such as pay per mile. You pay a fixed monthly fee that is highly discounted compared to typical, comprehensive or third-party car insurance premium. You also pay a very low rate for every mile covered per month. MetroMile offers pay per mile car insurance which costs 3.2 cents per mile.
4. Visit several car insurance companies
Smart clients always evaluate every offer in the market before making a purchase decision. Visiting all car insurance providers in your city will help you ask important questions to the right person. Sometimes making questions over phone calls can be frustrating every time an insurance customer service representative continues to refer you to different people along the chain of command.
Do not allow the car insurance company you visit to do a rigorous investigation of your credit report. Each question deducts five points from your current credit rating.
5. Fit your car with safety accessories
Vandalism and car burglary are included in the comprehensive car insurance package. Car insurance company determine this premium by assessing the level of safety of your motor vehicle. If a car is too vulnerable, one can't secure a good comprehensive cover because they pose a great risk.
Make sure you have installed a famous alarm system in your car. This is your first line of defence against theft. You also need a reverse parking sensor to prevent collisions when parking in a parking lot. It is also importance to increase the visibility of your car by placing reflective cassette strips on your front and rear bumpers.
You can qualify for a Cheap Car Insurance offer by preparing for an accident appropriately. For example, having a fire extinguisher shows that you are quite prepared to handle a small fire. A living hammer will help you destroy the surrounding windows to free yourself from the wreck of a wrecked ship.
Make sure you buy high-quality car safety accessories because insurance companies will always check their quality when you file a collision or comprehensive compensation.
6. Don't add terrible drivers to your insurance policy
Have you heard about car insurance scores? This is a three-digit number used to predict the probability of a car owner to apply for compensation. Because car insurance companies receive compensation claims every time an accident occurs, it is safe to say that the car insurance score indicates the possibility of the driver being involved in an accident.
Car insurance scores are similar to financial credit scores. If your car insurance score is less than 524, you are most likely to apply for compensation. A borrower with bad credit often pays high-interest rates on credit. Likewise, car owners with poor car insurance rates end up paying expensive insurance prices.
7. Consider installing a car black box
Car Blackbox or Electronic Data Recorder (EDR) is a device installed in motorized vehicles to help insurance companies monitor clients' driving habits. It works in the same way as an aircraft black box. Every day, your car insurance provider receives accurate information about distance travelled, time spent on the road, and your average speed.
Installing a car black box can help you get a good driver discount because it gives your car insurance credible and real-time information about your driving habits. You can also approach your car insurance company and ask for coverage per mile. If your insurance provider is happy after reviewing the data sent by your car's black box, you don't need to do extra persuasion.
8. Attend a defensive driving course
Car insurance companies give you discounts for every action taken to improve responsible driving and road safety. Currently, you can get a Cheap Car Insurance quote just by registering for a defensive driving course. This is very affordable and takes less than a few weeks, but you will enjoy its benefits for life.
So what is defensive driving? Knowledge and set of skills that the driver uses to anticipate and avoid collisions. Defensive driving teaches you how to avoid crashing into drunk drivers. You also learn how to control the car when driving in rainy or snowy weather.
9. Park your car in a safe place
One common reason why some car owners don't receive compensation for car theft is neglect. Cars are a valuable item, and your car insurance expects you to be on guard. Perhaps the main reason why your car insurance quote is expensive is that you parked your car overnight on the street or outside the store instead of a closed garage.
Open streets and public parking lots attract thieves who have an insatiable appetite for car music systems, rims and tires. That's why insurance companies charge expensive insurance costs to encourage you to park a motorized vehicle at home or a well-guarded parking lot.
10. Move to a safer environment
If you live in an environment that has a reputation for being a high car robbery, your insurance company will burden you with expensive car insurance quotes. A high crime rate increases your chances of applying for compensation. If the crime rate increases, your provider will immediately increase your offer.
Consider saving and moving to a better environment. Car owners who live in gated communities enjoy the offer of Cheap Car Insurance because of the availability of adequate security features. For example, the presence of armed security guards, high perimeter walls, electric fences, and home garages.
11. Switch to environmentally friendly cars
With everyone worried about the state of the ozone layer and the environment as a whole, switching to environmentally friendly cars comes with many benefits. Environmentally friendly cars are affordable to maintain because they use alternative fuels such as electricity and ethanol fuel.
Today, car insurance companies reward environmentally conscious drivers with Cheap Car Insurance. National and federal governments offer cash incentives and awards to car insurance companies that promote environmentally friendly car owners.
12. Consider downgrading
The market value of your car has a significant impact on the insurance quote you pay. The owner of the BMW X5 may pay double the amount paid by the owner of the Toyota Hybrid. BMW accessories cost much more than Toyota, so it makes sense for insurance companies to charge higher prices to luxury brand owners.
If you don't expect financial breakthroughs shortly, it's better to sell your classy sedan and get in a simple car. You will save a lot on your car insurance as well as gas money.
Car Insurance Companies penalize irresponsible car owners with expensive premiums.