How to Get a Cheaper Auto Insurance Quote
- Date: 2010-10-18 - Word Count: 502
Share This!
When looking for auto insurance, you want to get the best possible cover for the cheapest possible price. There are numerous ways of doing this, depending on the type of cover you are looking for and what category you fit in. With the right approach you will be able to sort out what is best for you.
In a lot of cases there are specialist insurance companies for people. For example women are statistically less likely than men to have an accident. However a standard provider will cover both men and women, meaning your premiums go up in line with more at risk groups. This is why you may benefit from choosing a policy from a company aimed directly at women.
The same is also true of older drivers. Older drivers are less likely to take risks while driving and are more experienced. Therefore you will probably benefit from a policy aimed exclusively at older drivers.
However, there is the chance that you do not fall into this kind of category. In this instance there are other ways to save money on your quote. If you are a careful driver, you can often get better premiums if you have up to five years of no claims. Younger drivers can benefit from refresher courses, both in terms of reducing premiums and encouraging safer driving.
Another way of saving money is to have a voluntary excess also known as a deductible. This is where you agree to pay for the cost of repairs up to a certain amount. While this can leave you out of pocket in the event of an accident in the long term it will reduce your premiums. If you are a younger driver this is very likely to be the case as you are unfortunately in the highest risk category, so anything you can do to save money is worth doing.
When looking at car insurance quotes, the best place to look is online. If this is the first time you are applying for insurance, it is worth looking at the various introductory offers available. Some companies are not available on car insurance comparison sites, so it is worth having as broad a search as possible.
Comparison sites are useful as they give you a chance to see what kind of prices are available to you. A lot of sites also offer clear tables that show what cover you get for your money, such as anti vandalism insurance that will not affect your no claims bonus. It is generally recommended to get at least three quotes to get an idea of what your policy should cost.
With any auto insurance quote, the additional benefit of knowing how much it costs is the leeway it gives you when negotiating with a company. In some cases you may get a discount or possibly extra cover for your money. A lot of companies will have a list of discounts available, such as for having security devices on your car. It is worth getting in contact and seeing what is available.
In a lot of cases there are specialist insurance companies for people. For example women are statistically less likely than men to have an accident. However a standard provider will cover both men and women, meaning your premiums go up in line with more at risk groups. This is why you may benefit from choosing a policy from a company aimed directly at women.
The same is also true of older drivers. Older drivers are less likely to take risks while driving and are more experienced. Therefore you will probably benefit from a policy aimed exclusively at older drivers.
However, there is the chance that you do not fall into this kind of category. In this instance there are other ways to save money on your quote. If you are a careful driver, you can often get better premiums if you have up to five years of no claims. Younger drivers can benefit from refresher courses, both in terms of reducing premiums and encouraging safer driving.
Another way of saving money is to have a voluntary excess also known as a deductible. This is where you agree to pay for the cost of repairs up to a certain amount. While this can leave you out of pocket in the event of an accident in the long term it will reduce your premiums. If you are a younger driver this is very likely to be the case as you are unfortunately in the highest risk category, so anything you can do to save money is worth doing.
When looking at car insurance quotes, the best place to look is online. If this is the first time you are applying for insurance, it is worth looking at the various introductory offers available. Some companies are not available on car insurance comparison sites, so it is worth having as broad a search as possible.
Comparison sites are useful as they give you a chance to see what kind of prices are available to you. A lot of sites also offer clear tables that show what cover you get for your money, such as anti vandalism insurance that will not affect your no claims bonus. It is generally recommended to get at least three quotes to get an idea of what your policy should cost.
With any auto insurance quote, the additional benefit of knowing how much it costs is the leeway it gives you when negotiating with a company. In some cases you may get a discount or possibly extra cover for your money. A lot of companies will have a list of discounts available, such as for having security devices on your car. It is worth getting in contact and seeing what is available.
With years of Experience and a good driving record, why pay more for car insurance Edmonton when you have earned the right to pay less.n
n Your Article Search Directory : Find in Articles
Recent articles in this category:
- Improve the Value of Your Truck With a Truck Bed Cover
If you are a truck owner and are looking for a way to increase the value and also protect your inves - An Overview of Emergency Road Services
Anyone that owns a vehicle definitely understands that there are truly countless facets of driving a - Buying From Car and Truck Auctions in Canada
Buying a vehicle from an auction can be a good way to pick up a bargain as long as you know what you - 2011 Green Car Of The Year- Who's In It To Win It!
The Green Car of the Year award is a program designed by Green Car Jouranl to recognize and honor ve - Honda's 2010 Odyssey is Efficient, Practical and Convenient
If you are looking for a minivan that has a seating capacity of up to eight persons and handles almo - Greener Trucks For Delivery Work
Green' is a word you'll hear a lot when it comes to transportation, from bicycles to buses - but you - The Courier and Haute Couture
Some jobs just ooze opportunity to flaunt yourself and show off your latest togs but sadly that's ra - All-New 2011 Toyota Camry
The Toyota Camry has been a continuous leader for years in the family midsize sedan class by being a - The Various Benefits Of Summer Tires
As you probably know , different tires are optimized for different conditions. Not only that, someth - A Couple of Tips on Buying a Used Cars in Toronto
If your old car has finally kicked the bucket and you need to get yourself a new mode of transport t
Most viewed articles in this category:
- How to Remove Window Tint
Applying tinting film to car or household windows may be fun, but removing it can be tricky if yo - Transporting Your Car
If you are relocating to another state or another country for employment or family reasons, you may - Choosing The Right Sticker For The Motorcycle Helmet
When people decide to buy a motorcycle, the dealer will usually throw in a helmet. This is because s - Suzuki's 2007 Xl7, “wave” Grand Vitara Debuts at the 2007 Scias
In the news: American Suzuki Motor Corporation has presented its array of cars and SUVs at the 2007 - Nissan Skyline GTR: A Racer That Is Affordable
If you've ever eyed a Porsche 911 or a Ferrari Testarossa, but thought the price was too steep, the - How To Buy Cheap Cars
There are a number of seized car auctions held in various places every month or at least quarterly. - Federal Agencies Expands Hybrid Fleet
Three federal agencies in Kansas recently added hybrid vehicles to their fleet. The hybrid vehicles - New Cars, New Gadgets Presented at the 2007 Naias
The 2007 North American International Auto Show has become an event of glamour, fashion and technolo - Aura Green Line Added to 3 Federal Fleets in Kansas
Three Kansas City area federal agencies added Monday the new 2007 Saturn Aura Green Line hybrid vehi - Top Vehicles by Autoweek Editors Honored at 2007 Naias
Everybody has favorites. Bill may like Ford cars. Susan may be attracted much by the power of pi