Pros to Shopping Around for Auto Insurance

Auto insurance is expensive and it seems to be getting more expensive with each passing month. As inflation inches upward, the cost of auto repairs also inches up and that helps to drive up the cost of settling insurance claims and that results in YOU paying higher and higher insurance rates. So what’s the answer? Well, one answer is to shop around for the best deal possible on your auto insurance. As you probably know by now, not all auto insurance companies are created equal and some charge an arm and a leg for even a simple policy.I’ve spent a long time shopping different auto insurance companies and I think I’ve got a pretty good handle on the best companies and the best prices that you’re going to find anywhere, but that doesn’t mean that you shouldn’t do a quick Google search of your own to see what you can find in the way of low-cost, good-quality auto insurance.

Many states offer a very low-cost state-sponsored auto insurance that can save you a bundle over most other policies. Often these super-low-cost state-sponsored policies have income eligibility requirements and sometimes other requirements as well, but once you qualify the savings can mean the difference between driving legally and driving without insurance.
Keep in mind that there are several ways that you can help to lower the cost of your monthly auto insurance premium even further once you have found the lowest-priced insurance in your state.

Start by always driving legally. That means never, never, never driving while intoxicated or under the influence of anything that could impair your ability to drive. Even one DUI or one DWI on your driving record could cost you plenty in extra insurance premiums each month.

Don’t speed. Even one speeding ticket or other moving violation could drive up the cost of your insurance to the point that it will be difficult to pay even if you do find a great deal.

Don’t buy collision or comprehensive coverage on older cars that have little or no Kelly Blue Book value. Regardless of what you may believe, your insurance company will not give you more than the Kelly Blue Book value of your vehicle after an accident. So if you are paying for a large amount of coverage on an essentially worthless vehicle, you won’t see a dime of the coverage you have been paying for if you should ever file a claim.

Another excellent way to save money on your car insurance is to simply drive less. Driving less will also save you a fortune in gasoline bills. If you drive back and forth to work everyday consider joining or starting a carpool – and let your insurance agent know that you are driving only half as many miles to work every month.

If you are not driving back and forth to work every day consider leaving your car parked most of the time and take the bus or other public transportation for as many trips as you can. If you can lower your monthly driving to around 500 miles a month or fewer you may qualify for a super low-mileage discount on your auto insurance that could really make the policy you took the time to shop around for look like gold.

As with almost anything you care to buy, shopping around for the best deal can often save you a lot of money. And by letting your mouse do most of your work by comparing prices on-line, you can do your comparisons quickly and virtually for free. So get busy and find your best deal – and start saving today!

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