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Cheap Auto Insurance

Searching for cheap auto insurance is getting easier and easier with our free car insurance quote finding tool. Many people admit that they can save money on their current car insurance rate by comparing rates from other car insurance companies and many also admit that they really should be comparing auto insurance rates every 6 months or so but the idea of traveling, making appointments and reviewing data just proves a hassle. Now there is a better way! Use our free quote finding tool and let the price transparency of the Internet help you comparison shop and find cheap car insurance!

Here at Cheapo Auto Insurance we have prepared loads of information to help you find cheap car insurance – no matter what situation you may be in. Whether you need information on finding cheap car insurance for students, cheap auto insurance for first time drivers, cheap car insurance for women, or simply just a way to easily and efficiently view cheap auto insurance quotes online - we can help guide you to compare cheap auto insurance rates from multiple insurers 24/7. Our auto and home insurance quote finder is free, easy to use, and allows you to compare online car insurance quotes from the convenience of your own home or office.

Take just a few moments and input your basic information to view cheap online car insurance quotes from the top insurance companies that offer coverage in your home zip code. If you have a home then you may also want to select the “Auto and Home” option so that you only have to enter in your data just one time and then you can view quotes for both auto insurance and homeowners insurance together (keep in mind that many insurance companies offer discounts for carrying multiple lines of insurance with the same company so you may be able to find a very low cost and affordable solution). Enter your zip code in at the top of page and get started finding cheap auto insurance now!

The Key To Finding The Cheapest Auto Insurance

Finding cheap auto insurance is something we all want to do, some of us more than others. There are certain people who expect that cheap auto insurance will just fall into their laps, while others know that it requires work. By learning all about the ins and outs of car insurance, you will be well equipped to find yourself the cheapest auto insurance possible.

The Potential Pitfalls Of Cheap Auto Insurance

One of the ways that many people may be tempted to get cheap car insurance for themselves is to only put the minimum state required coverage on their car. While this will get you a lower premium, it also usually results in pitifully low coverage. So don’t do it!

There are only a couple of states that have minimum required liability coverage that is anywhere near acceptable levels. In most states, the levels are so low, that experts recommend at least 5 times as much as the state mandates.

The problem with these low levels of bodily injury liability coverage and property damage liability coverage is that they do not provide the policyholder with enough protection. When there is not enough car insurance coverage, the injured party can sue the at-fault individual for the remainder of the expenses. This means any assets you have are at risk.

For example, if you had a major accident, the state minimums in Pennsylvania would in all likelihood by very short of covering the expenses. Their property damage liability limit is $5,000. How many cars can you reasonably replace for that amount of money? The bodily injury liability has limits of $15,000 per person and $30,000 in total per accident. If there were serious injuries or a death, such insurance levels would not come close to covering it.

Cheap Auto Insurance Tips

There are some things to keep in mind when looking for cheap auto insurance. These tips will help you get the best price possible for your car insurance needs.

  1. Shop around. Get no less than 3 quotes from different companies to compare. However, if possible get even more. The more quotes you have to consider, the greater the chances you will get a cheap auto insurance policy.

  2. Ask for high deductibles on collision and comprehensive insurance.These 2 types of coverage are necessary if your car is financed, but you can get a break on yearly premiums if you raise the amount you have to pay out of pocket before insurance pays out in case of a claim. Make sure you can afford the premium and that it is not ridiculously high.

  3. Carefully consider whether you should remove collision and comprehensive coverage from the policy, especially if your vehicle is not financed and is starting to get a little older. If the car’s value is not significantly more than the total of the deductible plus 2-3 years worth of premiums for just those types of coverage, you definitely want to remove it.

  4. Ask the company you are dealing with if you have the maximum discounts you can possibly get. Sometimes things slip by or in the quote process information that might get you a discount was not asked. Companies give discounts for so many things from multi-car discounts to association member discounts to named magazine subscriber discounts. So be sure to ask!

Getting Cheap Auto Insurance In The Long-Run

Getting cheap auto insurance may not be something you can get the next time you look for a policy. You may have factors that cause you to be considered a high-risk driver or you may own a car that is pricey to insure. You may live in an area that has a high risk of car thefts.

There are many things that influence the ultimate car insurance premiums that you will pay for your policy. Many of these things take time to change. However, if you are aware of what the factors include, you will be able to work at them little be little over time.

Ways to get cheap car insurance in the long run include:

  1. Maintain a clean driving record. Slow down, drive defensively and take driver’s education classes when appropriate.

  2. Before you buy a new car, check on the price it will cost to insure it. This may influence whether or not you buy one model over another.

  3. If you are looking to move, check the cities and neighborhoods you are thinking of moving to. If there is a very high rate of car theft and vandalism, look for a safer area in which to reside.

  4. Do not make frivolous claims. If there is something small that needs to be repaired on your car and it is eligible as an insurance claim, weigh the pros and cons of making that claim. A history of no-claims usually leads to lower premiums.

  5. Keep a good credit score. Many companies check credit scores in preparing car insurance quotes. Statistics say that those with lower credit scores have a higher likelihood of making claims.

  6. Ask about payment discounts. Some companies give a discount for paying your premiums in a lump sum up front rather than paying your premiums monthly.

  7. Get older and get married, especially if you are a young guy. The most expensive premiums for drivers with clean records are always for single men under the age of 25. Time will take care of at least one of these factors.

Cheap Auto Insurance Companies

There are a wide variety of insurance companies throughout the nation. Because there are so many variables to consider, each one is cheap for certain customers while not for others. By shopping around you’ll find out which one is cheap for you. Below is a list of some of the well-known insurers in the United States.

  1. Nationwide

  2. Progressive

  3. GEICO

  4. State Farm

  5. Farmers

  6. Allstate

  7. Liberty Mutual

  8. 21st Century

  9. Metropolitan

  10. Hartford

  11. The General

Compare Cheap Online Auto Insurance Quotes

You now know that the key to securing cheap auto insurance is to shop around, get a variety of quotes and compare what is available. Be sure to compare several quotes before making your decision. The easiest and most efficient way to get those quotes is by using an online quote tool like the one at the top of this page.

Online quote tools provide quotes quickly with a very small time investment on your part. Get started now by returning to the tool box above, and entering your zip code to begin.

In no time, you’ll be on your way to comparing cheap online auto insurance quotes!

Free Auto Insurance Comparison

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