As you go car hunting, it's important to think about finding
cheap car insurance for your new car. After all, you don't want to buy the auto
of your dreams only to find out you can't afford to insure it!
The Car You Buy Makes
a Big Difference
Some cars are just more expensive to buy than others. Autos
with high horsepower have higher insurance rates, as do autos that cost a lot
or are expensive to repair. In addition, cars that are attractive to thieves also
have higher insurance rates. So for the cheapest car insurance, focus on
family-style sedans for your new vehicle.
Get Several Quotes
Insurance costs vary dramatically from company to company,
so it pays to spend a little time to get several quotes you can compare. If
you're trying to decide between a couple different cars, you can even run
quotes for both of them to see which car will be cheapest to insure.
Fortunately, it doesn't take too long to get quotes for auto
insurance. You can go to an insurance comparison website to receive quotes from
multiple A-rated companies. All you have to do is type in your insurance
information on a simple online form to get your quotes.
On the best comparison sites, you can even talk with
insurance experts online or by phone if you have any questions about your car
insurance (see link below).
How to Get Cheap Car Insurance For a New Car
Keep Your Deductibles
High
Since you're buying a new car, you'll want to make sure to
purchase comprehensive and collision insurance. This coverage pays to repair
your car if it's damaged in an accident or by something else such as hail.
Comp and collision coverage can be expensive, but you can
lower your costs by setting the deductible high. The deductible is the amount
you pay toward a repair before the insurance company will pay. You want to set
the deductible as high as you can afford, in order to get a lower annual
premium.
To give you an idea of how much you can save, raising your
deductible from $500 to $1,000 can save you up to 50% on your yearly premium.
Also, raising your deductible will stop you from making too many small claims
which can cause your insurer to cancel your policy.
Ask for Discounts
Insurers offer all kinds of policy discounts - low mileage
discounts, safety and security discounts, senior discounts, multiple policy
discounts - and a host of others. Be sure to ask for all the discounts you're
eligible for.
Visit http://www.LowerRateQuotes.com or click on the
following link to get auto insurance quotes for a new car from top-rated
companies and see how much you can save. You can get more tips and advice in
their Articles section, and get answers to your questions from an insurance
expert by using their online chat service.
The authors, Brian Stevens and Stacey Schifferdecker, have
spent 30 years in the insurance and finance industries, and have written a
number of articles on getting cheap car insurance for a new car.
Getting Cheap Car Insurance Quotes For New and Young Drivers
If you are a new driver or a young driver you will find that
your ability to get cheap car insurance is quite limited. The phrase cheap car
insurance for young drivers or cheap car insurance for new drivers may seem to
be an a oxymoron. However by paying attention to a relatively few number of
factors you may well indeed be able to secure a low car insurance quote.
The first factor is that you should not try to drive an
expensive car. The more valuable the car the more expensive the repairs, so do
yourself a favor and get something a little less valuable. Also make sure that
the car has as much in the way of safety features as you can sensibly afford,
anti-lock brakes and an intruder alarm are good examples of these sorts of
features.
Next you need to consider how much you will use your car. In
the first few years of driving if you agree to limit the number of miles you
intend to travel you will find your insurance company will be more willing to
discount your premium. In simple terms the less you drive the less chance you
have of having an accident.
Finally you may well find that the various insurance
companies you are talking to about auto insurance will give discounts for
certain things. If you are a student it is not uncommon for insurance companies
to give discounts based upon your success at school. Also if you have taken an
approved driving course this may also attract discounts.
The fact of the matter is that new and young drivers are
statistically more likely to have a car accident than older more experienced
drivers. This however does not necessarily penalize you into having punitive
insurance premiums for the next five years. With a bit of effort and a bit of
research you can indeed find cheap car insurance quotes.
How to Find Cheap Car Insurance for Young, New Drivers Fast
There is a good chance that if you have a young, new driver,
or college aged driver in the family, you are paying more for car insurance on
them than in necessary. Your children's safety is paramount, which is likely
why you've never looked into cheap car insurance for young, new drivers, as you
likely assume that it would be lacking in some way. But in this regard, you
would be wrong.
Fact: With other insurance companies, you don't pay for
overinflated advertising budgets, you get all the good driver discounts that
are available to you, and get a rate decrease when car insurance rates go down
across the board.
Thankfully, the internet is a wonderful resource for a good
number of things and checking out different rates of auto insurance is no
exception. With a number of free, reputable sites, with just a few clicks of
your mouse, you can find estimates for insurances costs across a huge number of
different companies providing high quality coverage at affordable prices.
Fact: Chances are you'll be astounded at how much you can
save on your car insurance with just a few short minutes.
You can find high quality, comprehensive, cheap car
insurance for young, new drivers, helping to offset the financial burden an
added driver places on the family budget, and allow you to provide your kid
with the opportunity to have the ability to drive, legally, and at an
affordable rate too.
Fact: Your current car insurance company is not going to
give you a courtesy call to tell you that you qualify for an additional discount
or that there has been a rate decrease and why should they?
If they can continue to get the higher premiums out of you
without any fuss, they are going to do it. So take matters into your own hands,
do a bit of research, and find a cheaper auto insurance alternative that works
for your needs and your budget.