Friday, 13 July 2012

Tips for finding cheap car insurance | Auto and vehicle insurance

People are always looking for easy ways to save money, and car insurance is definitely an area filled with discounts. Many people are not sure how to go about getting cheap car insurance, but it can be as easy as the following suggestions.

Discounts Based on Age

Typically, insurance begins to be cheaper when a person turns 25. These discounts can be as high as 20%, although your driving record will still play a part in the final amount. Drivers between the ages of 25 and 55 typically receive the lowest premiums, as they are considered to be the safest age group as far as drivers go. Some insurance companies will also lower rates passed 25, so compare quotes before deciding on a plan to get cheap car insurance.

Live in a Safe Area

If you live in a dangerous neighborhood, or if you commute to one, you are more risky to insure. Individuals who live in nicer neighborhoods are less likely to have their cars damaged while parked, broken into, or stolen. Also, if you have a long commute you are more likely to get into an accident as you spend more time on the road. These reasons are why your insurance company asks that your address and telephone numbers stay current.

Consider Changing Vehicles

The exact make and model of your car can determine part of your insurance premium. Newer cars mean higher repair and replacement bills, but they are also more reliable. You may end up paying more for insurance if you drive a 20-year-old car. Sports and luxury cars can also come with higher premiums. While you may not drive quickly, these cars are typically able to achieve higher speeds. This makes a sports car a more risky investment for an insurance company, and having a different vehicle might equal cheap car insurance.

Consolidate Your Policies With One Company

Finally, consider choosing one insurance agency to take care of all your insuring needs. Many agencies will offer discounts for multi-policy members, and its more convenient for you because you only have one bill and have to deal with one company. You can often get house, renter, boat, car, and motorcycle insurance through the same company. Sometimes the company will offer health, life, dental, and travel insurance as well. Not only do you get cheap car insurance, but you?ll often get discounts on your other insurance policies as well.


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