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Are affordable auto insurance quotes available anymore?

Things to Remember...

  • Maintaining an excellent driving record is the best way to keep your insurance premiums low.
  • As a general rule, expensive cars are usually more expensive to insure when compared to less expensive models
  • Your credit rating can impact your premiums

If you want to drive, you must have some form of auto insurance. Even though it may seem difficult finding affordable car insurance today, especially for young or inexperienced drivers, it is possible.

After you compare quotes, you simply need to decide which one would be best for your unique situation and budget.

Enter your zip code into our FREE car insurance comparison tool above to find affordable rates today!

Maintain an Excellent Driving Record

Maintaining an excellent driving record is the best way to keep your insurance premiums low.  This is perhaps one of the main things that companies will look at when people request quotes.

If people have any moving violations on their records, their insurance rates will be quite a bit higher than those people who have clean driving records.

It is also essential to note that drivers cannot hide their violations. Insurance companies can easily find any violations that drivers may have by conducting a check through the state’s motor vehicle department.

If they find that any clients did hide any violations, they may even bill the clients for the months that they were paying a lower rate.  Find cheap auto insurance with DUI violations is a hard task but not impossible.

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Consider Driving a Modest Car

While many people may want to drive a fancy sports car or an expensive high-end vehicle, it is much more affordable to insure a modest and/or older car.

Insurance companies typically have different rates for the various makes and models of vehicles, and high-end cars often cost twice as much to insure as older and/or more modest vehicles.

Before people decide to buy a brand new sports car, they will want to check out the insurance rates on it first.

Choose Only the Coverage You Absolutely Need


First of all, one of the best ways to lower auto insurance rates is to opt for liability insurance rather than full coverage. In some cases, full coverage is necessary, such as when purchasing or leasing a new vehicle.

However, if full coverage is not absolutely necessary, liability is a much cheaper option. Keep in mind that if they opt for liability and have an accident, they may have to pay for all of the repairs to their car if they are at fault.

Choosing the proper deductible can significantly affect a person’s monthly premium. For example, if people choose a $100 deductible, their insurance rates will be much higher every month than if they had chosen a $500 deductible.

Deductibles are highly a matter of personal choice. While a higher deductible means lower monthly payments, it also means more out of pocket costs in cases of accidents and claims.

Make Use of Any Available Discounts

Just as with any other type of business, insurance companies are out to earn profits by increasing their customer volume. With that said, many insurance companies often offer various discounts to attract people to their business.

In some cases, people may even qualify for several different discounts. Thus, it pays to compare companies and check out what kind of discounts they may offer. Some of the more popular discounts available are as follows.

Popular discounts available are as follows:

  • First-Time Clients
  • Excellent Drivers
  • Driver Safety Courses
  • Excellent Students (teens)
  • Multiple Vehicle Policies
  • Multiple Drivers
  • Air Bags
  • Safety Devices
  • Low Mileage
  • Multiple Policies/Products

Try to Maintain a Satisfactory Credit History

Many people do not think that their credit history can affect the rates of their auto insurance. However, credit history can, indeed, mean the difference between high or low quotes.

More and more car insurance companies are checking people’s credit reports when they offer insurance quotes. This is because studies have shown that people with poor credit often make more claims than people with excellent credit histories.

Finding affordable auto insurance does not have to be difficult. When searching for affordable rates, the best place to go in a car insurance comparison website.

Get started now by entering your zip code below and some basic information, you will receive several FREE quotes from various companies that they can choose among.


  1. https://www.edmunds.com/auto-insurance/how-to-get-affordable-car-insurance.html
  2. https://www.kbb.com/car-advice/articles/the-most-expensive-and-least-expensive-cars-to-insure/
  3. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  4. https://www.esurance.com/info/car/the-pros-and-cons-of-high-deductibles
  5. http://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm

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