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Affordable Car Insurance

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Affordable car insurance is a prime concern for many drivers. According to Financial Web, the average cost to insure a car was $1837 per year in 2009. However, if you have a teen driver, a poor driving record, or any number of other factors that raise your costs, your annual total can be much higher. In order to get the most affordable car insurance possible, there are a few simple things you can do.

Tips to Get Affordable Car Insurance

  • Drive Safely: A car accident can raise your rates considerably, depending on the circumstances of the accident. Points on your license from tickets or other incidents can also add up to bigger bills. Serious violations involving cars, such as DUI or DWI, can make insurance prohibitively expensive or perhaps even possible to obtain.One of the best things you can do to secure affordable car insurance is to keep your driving record clean. If you do get a traffic ticket or violation, bargain the violation down as much as you can and take a defensive driving course to keep the points off of your license. Don't speed, and be careful when driving to avoid negligent and preventable car accidents.

  • Buy Wisely: The type of car you drive can have a big impact on your car insurance premiums. The more safety features and anti-theft features your vehicle has, the less expensive it is to insure. If your car is red, flashy, or a sports car, you can expect to pay the higher premiums for the privilege of driving such a vehicle. Luxury cars may also be more expensive to insure than less costly models, since the insurer is taking on more risk as the replacement cost for the vehicle is higher.

  • Take Classes: A defensive driving class can lower your insurance costs. Likewise, a teenager who has successfully passed a full drivers education course may be less expensive to insure than a teen who hasn't.

  • Drive Less: It is more expensive to insure a car that you use more. If you commute to work, drive your car over 10,000 miles a year, or otherwise use your car more, there are more opportunities for you to get into an accident. If, on the other hand, you limit your driving, your insurer may reward you with lower premiums on that vehicle.
  • Group Your Policies: Most insurers offer a discount if you buy car insurance in conjunction with your home owners or renters insurance. See if you can qualify for these group discounts by buying both policies from the same company.
  • Improve Your Credit: Your credit score is one of the factors that determines your insurance premiums. A lower score suggests you are higher risk, while a higher score may tell an insurer that you have a pattern of behaving responsibly.
  • Ask for Discounts: Insurance companies offer a wide variety of discounts for varying behaviors. You may be able to get a discount for working for a certain company. Your teen may be able to get a discount for being on the honor role. Ask any insurance company that you are considering to give you a list of discounts to make sure you don't' miss anything.
  • Shop Around: Comparison shopping is key to getting affordable car insurance. Compare premiums, deductibles, and coverage provisions to find the most coverage for the least money. Just make sure you purchase from a reputable company; Moody's, the Better Business Bureau and your State Department of Insurance can all give you information on your company of choice.

Buying Car Insurance

When you purchase car insurance, make sure you explore all your options in regards to making your policy more affordable. Consider foregoing collision coverage on older cars or raising your deductible if you have the cash to withstand a larger out of pocket expense. All these factors can help ensure you get the most affordable car insurance for your situation

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