How do I find Cheap Car Insurance?

If your like most people, after you've just paid your car insurance bill, you wonder if there is anything you could have done to lower your car insurance premium. The Answer is in most cases Yes.

There are many factors that determine your insurance premium. Your driving record, the number of tickets, and accidents you have had plays a large role in the determination of your monthly premium in addition to factors such as your credit worthiness, place of residence, occupation, and demographics among others. Accidents are generally purged after 35 months, depending upon the insurance company. Tickets on the other hand can cause your premium to remain high for 5 years. If you have tickets, or accidents on your license, then your best bet may be to shop around; some insurance companies will have lower rates even for those with tickets. Independent studies have shown that you can save as much as $400 per 6mo. policy by comparing rates from multiple car insurance companies before making a purchase. Shopping around is your best bet in finding cheap car insurance.

If you live in a major metropolitan area your premiums are more than likely going to be higher than if you lived in a rural town, in which case it may be difficult to find cheap insurance.

Many companies will offer a decrease in premium for security measures, such as car alarms, and carports. You should also look at discounts for good students, defensive drivers classes and combining your home insurance along with your car policy. Many times you can get a considerable discount if all your vehicles and your home are insured through the same company. Insuring mutliple vehicles is a good way to secure cheap car insurance. Compare the various policies first to find the one that best fits your needs.

You can also lower your premiums with a higher deductible, but this means if you get in an accident you will be responsible to pay a larger portion of the repair costs out of pocket.

Look at the age and value of your vehicle with a realistic eye. If you have an older vehicle that is worth less than what you are paying in premiums it doesn't make much sense to have full coverage. Reducing coverage in some areas such as comprehensive coverage is one way to save on cheap insurance.

Ready to find cheap car insurance and start saving money? Click on your state below to find out more about car insurance specifics in your state and do get free no-obligation car insurance quotes from auto insurers covering your area.

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If your objective is to obtain the most cost effective car insurance. your first step should be to obtain multiple car insurance quotes for comparison purposes.

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