Before you begin your search for auto insurance, you should obtain a copy of your driving record, if you don’t already know what it says about you. This will give you some idea of what companies you should shop. Also, if you have filed bankruptcy or have delinquent credit accounts or collections, many of the larger insurance companies will charge a higher premium for car insurance or not insure you at all. It’s almost always better to shop smaller auto insurance companies or companies that specialize in high risk clients when you have a significantly compromised record.

Cheap car insurance is harder to obtain if your record is riddled with instances of Driving under the Influence whether you use prescription drugs or drink alcohol. Another stain on your record is, of course traffic violations and/or accidents. With a compromised driving record, you may still pay a lot for car insurance compared to other drivers, but cheap auto insurance will be a lot less than a standard policy premium.

Because auto insurance is based on the point system, too many points on your license results in a higher premium. Unfortunately, your age or years driving coupled with points can also drive your insurance rates into the stratosphere. This may prevent you from qualifying for cheap car insurance. Young drivers with too many offenses are often unable to obtain cheap auto insurance. Car insurance rates get inflated rather fast when a driver just earns his or her license and immediately gets in a wreck or gets a traffic ticket. In order for them to qualify for cheap auto insurance they may be forced to take a driving course that removes points from their record when completed successfully.

Shopping for auto insurance requires preexisting knowledge about your circumstances, insurance rating systems, and a general awareness of rates for your vehicle. You should know that a 4 cylinder sedan commands a lower rate for car insurance than a sports car with a six to eight cylinder engine. If auto insurance is unaffordable, consider buying a less expensive, slower or less ostentatious car. Shop for cheap car insurance before you buy your vehicle, based on the choices of cars from which you are selecting. Shop for car insurance based on your current driving record, not an anticipated future record. Shop for cheap auto insurance among more forgiving insurance companies (generally not the biggest companies).

Cheap auto insurance rates are paid by the most diligent shoppers. They get the current rates and discover if they drive without incident, if the company will actually reduce their rates, before they buy an insurance policy. Most companies don’t reduce rates, but companies that work with drivers with compromised records often do. Its their reward system for improving your driving. They don’t offer rebates like some of the larger companies, but a reduced monthly premium should be enough of a reward to please the average consumer.

If you need cheap car insurance, you may need to start out paying a little bit more than the average driver. If your record is squeaky clean, you can probably get cheap car insurance from any one of a number of insurance companies. Shop around, get accurate quotes based on your records, and then make your decision.

Categories: Car Insurance
Tags: Auto Insurance, Cheap Auto Insurance