Many individuals think that there is one single insurance company who has the cheapest rates on automobile insurance. This may certainly be true, as a generality, however finding the cheapest car insurance largely depends on the individual looking for the insurance. Factors such as the driver’s age, driving record, geographical location and much more contribute to the rates that individual will end up paying for auto insurance.
One way to ensure you receive the cheapest car insurance rates is to make sure you don’t receive any traffic violations, DUIs, etc. Bad marks on your driving record are the main contributing factor for overpaying for car insurance. Another thing that many insurance companies offer is a good driver discount. This discount, while not always referred to in those specific words, rewards drivers for being safe and accident-free. Most major insurance companies also offer a good student discount to high school and college students. A good student discount usually requires the student to maintain a 3.0 GPA.
It’s also a wise idea to request quotes from multiple insurance companies. Many websites offer a tool where you can enter all of your basic information and within minutes receive quotes from all of the major insurance companies. This will provide you with a clear picture of who is offering the best deals, who has the best coverage, etc.
In many instances, going through a mom-and-pop insurance company, or non-corporate company, can be a solid option. While not always the case, individual insurance companies sometimes offer incredibly cheap auto insurance, since they are just glad to have your business and may not overcharge on auto insurance. These companies are usually not on websites that provide quotes from multiple insurance companies. The best way to go about estimating what you’ll pay for insurance is to go into the office and speak with an agent. They should be able to provide an estimate of what your insurance is going to cost.