How To Get The Cheapest Auto Insurance Coverage

The cost of auto insurance can send many of us into a headspin. However, there are some steps you can take as a car or truck owner to ensure that your car insurance premiums stay down. All motorists want the cheapest car insurance quotes, and you can get them if you follow the steps outlined in this article.

Additionally, this article will help you to find out what the right policy for them is, as well as the steps you need to learn in order to get the cheapest car insurance rates.

Be A Good Driver

The best way to make sure that your insurance premiums don’t skyrocket is by being a careful driver. The more traffic accidents or incidents you’re involved in the higher chance you have of having expensive auto insurance. Many insurance companies will consider you an at-risk driver if you’re the cause of a traffic accident or have traffic tickets. 

In fact, some insurance providers may not even offer you insurance depending on your driving record! Having a clean driving record will considerably enhance your chance of getting a lower car insurance quote. You can expect a high insurance premium if you’ve ever been charged with any major motor vehicle infractions such as a hit and run, or a DUI. Additionally, minor offenses like speeding and running a red light can increase your insurance premium. Bottom line, be smart when it comes to using the roadways, follow the laws, and don’t drink and drive. 

The Type of Car You Drive Matters

It’s true, the type of car you drive matters when it comes to your auto insurance rates. Insurance companies take into consideration how much it will cost to replace the parts of your vehicle if damage does occur. Some of the cheapest vehicles to insure in 2020, according to NerdWallet were:

• Subaru Outback.
• Jeep Wrangler.
• Honda CR-V.
• Subaru Forester.
• Ford Escape.
• Ford F-150.
• Chevrolet Equinox.
• Jeep Cherokee.
• Toyota Tacoma.
• Toyota RAV4.

And from this article from The Zebra, these were the most expensive cars to insure, with the German companies BMW and Mercedes taking multiple positions in this list:

• Maserati Quattroporte
• Audi R8
• BMW i8
• Mercedes-AMG GT
• Nissan GT-R
• Maserati Ghibli
• Mercedes-Benz S-Class
• Porsche 911 $
• Tesla Model S
• BMW 7-Series

So before purchasing a vehicle, make sure that you have an insurance quote beforehand, you’ll want to make sure that you can afford both the car payment and car insurance payment before making any final decisions. 

The condition your vehicle is in makes a difference as well, mostly as far as mileage goes and if you have a used car, whether or not it has been in an accident. So for cheaper insurance, get a cheaper car. You can always clean it up using a metal polish kit-way cheaper than paying for expensive care insurance. 

Take Care of Your Car

Taking care of your car may not seem like it has anything to do with your insurance costs, but consider this. If a car is not taken care of properly (we aren’t just talking about metal polishing and keeping it looking good), you risk having a car that breaks down on the side of the road, getting a flat tire, or having headlights or brake lights that don’t work, which can potentially cause an accident. To be safe and keep your insurance premiums low, take your vehicle in for regular maintenance. Also, it doesn’t hurt to polish up the wheels and body of the car with the best metal polish available, Quick Sheen metal polish. 

Get Informed About Auto Insurance

Lastly, to make sure that you’re getting the best and the cheapest insurance, you need to shop around. Compare the level of coverage you need for your vehicle (some car loans will require full coverage). If you are able to, you can decrease your policy features to save some money. In some cases, this may backfire, so speak with an insurance agency you trust to see what the smartest move for you is. You can get a breakdown of your coverage from your insurance agency. 

We hope this guide helps you to protect your car or truck and your wallet. Happy shopping!