Hi!

Sometimes it’s easier to explain things in a short video. It’s less than a minute, but will show you what I did to find cheaper auto insurance.

Click here to find out how I saved on Auto Insurance!

Thanks for watching!
Val

Finding the cheapest car insurance might be a little harder than some of the television commercials would lead you to believe. However, there are some ways to narrow down the competition by simply looking for the ones that say they offer the lowest. That does not mean that they do, but that is a place to start. The problem is that car insurance is something different for everyone. Some need some things and others don’t need much. If you have to have full coverage on your car, you are going to pay more than someone with liability only. The laws change from state to state as well, and that can make it even more complicated.

There are three ways to search for the cheapest car insurance, and what each person chooses will be up to them. The first way is to have an insurance agency help you find one. They can be really good about finding the best rate, but they may get a commission, so that means your rate won’t be as low as it could be. However, if you don’t have a lot of time and want someone else to do the leg work for you, this is the way to go.

The next best way to find the cheapest car insurance is to do some searching online. Each site that offers a quote will need a lot of information, so this can be more time consuming than having an agent find something for you. You can fill out the forms and sometimes the quote will be instant, and other times it will be emailed to you. In some cases, they have someone call you, and if you don’t want to talk to someone on the phone, you might want to avoid that particular kind of site. However, you can find some of the cheapest car insurance by going this route.

Lastly, a person looking for insurance can get on the phone and call the places they think might have the best deals. This will require you to recite your information over and over again, and it can get quite tedious. This is why the sites online that offer quotes from many places are so popular. The phone method can be quite time consuming, and that means someone might only call a few before deciding on a price. They might get a good price this way, but they may not find the cheapest car insurance over the phone.

With the cost of cars, car insurance and gasoline, driving has almost become a luxury for everyone. This is particularly true for teens and young adults. Car insurance for young drivers is one of the most costly groups, with rates enough to make you faint. Besides comparison shopping for your insurance, what can you do to reduce those quotes?

There are several factors which contribute to the astronomical rates. First, young drivers don’t have much of a track record. Lack of experience plays heavily into the quote. There’s not much you can do about that, but you can be proactive in developing a good record. Do get as much instruction and practice in before you go for your license. When you take the test, go for a perfect score instead of just trying to pass. The better you know the rules of the road, the less likely you are to get a ticket.

Look and see if there’s an intensive driving course available in your area. These programs are gaining in popularity, because it’s been demonstrated that these in-depth driving courses work. You are given instruction on a private driving course which is set up to teach you how to drive defensively and safely maneuver out of dangerous situations, such as braking suddenly, hydroplaning and maintaining control of your vehicle on an icy road. You’ll be a better driver at the end.

You may be surprised to learn that the make and model, color and even body style affect your rates. For example, car insurance for young drivers with a red Corvette will be far greater than the same aged driver with a white four-door family car. Insurance company statistics show that young drivers in fast, red cars are involved in accidents at a much greater rate. Choose your vehicle accordingly.

You’ll also find that rates for car insurance for young drivers go down if you’ve got good grades. Insurance companies reason that if you have good grades, you’re likely more responsible behind the wheel too.

Once you have your license, keep it clean. Don’t make a practice of talking on your cell or performing other tasks while driving. Observe the speed limits, know the law and avoid being pulled over. You’ll eventually enjoy better rates when you have no tickets.

If you live at home, you can be written in on your parent’s policy and save a ton of money. Your parents must consent, so don’t let them find you driving irresponsibly, causing them to refuse, if only because they can’t afford the rate.

Car insurance for young drivers is notoriously high. If you want to have the luxury of driving, do everything you can to earn the best rate. With a clean record and three years, your rates should decrease substantially.