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Cheap insurance: A young driver is certainly not the most favored person in auto insurance. The younger a driver is, the higher the risk associated with insuring such a person. A teenager will cost much more than a twenty-five year old. To make matters worse, if this young driver is male the cost of car insurance goes even higher. Here are things that will lower your rates dramatically...
But first, why such high rates once a driver is young? A young driver is usually less experienced than an older one. This makes them have a poorer response in road situations. In addition, younger persons are generally less safety conscious as a group than their older folks. These two combine to make them such a high auto insurance risk. Teens, for example, account for more crashes than all other age groups combined!
Now to things you can do to get cheap car insurance as a young driver. It would have been best if you could just get older. But, for that, we'll have to let time take its course. Do these and you'll get massive savings...
1) Take courses in defensive driving. Defensive driving courses that are recognized by your auto insurance provider will definitely lower your car insurance rate.
2) Use a smaller car. Avoid sports cars and cars that fall into "expensive to insure" category. If in doubt, ask. But a general rule is: Big cars, expensive cars, sports cars, cars with a high theft rate are much more expensive to insure.
3) Make sure you buy a car that has safety features. There are cars that have a high safety rating. These will help you get cheap car insurance.
4) You can be on your parents' car insurance policy. However, for this to work you'll have to live with them and have your car registered in their names.
5) Get only A's and B's in school. A good grade is often rewarded by insurance companies.
6) Reduce your mileage as much as possible. The more you drive the higher your risk to the car insurance provider.
7) Get quotes from reputable car insurance quotes and comparison sites. This is the no-brainer way of ensuring you get cheap car insurance. If you really want the lowest cost on your car insurance, visit at least three of these sites (Just make sure you input the same information in all three sites). It will take you a total of only 15 minutes but will save you a few hundred dollars.

There's a huge disparity in auto insurance rates. There must be a reason for this. Yes, we'll talk about it but much more, we'll talk about the advantage to you as a person.
Insurance companies decide on how risky a prospect is by using certain parameters. They use factors like marital status, age, location, driving history, credit rating, car safety, cost of replacement and things like that. However, they do not all agree on the exact weighting each should get relative to the other. That's where the disparity begins.
If you call twenty different insurance experts and ask them to line up and score all these factors, you'll end up with twenty different scores. Now the difference between two experts' scoring may not be much, but if you check the highest score and the lowest, you'll begin to see a huge difference.
Now, this is a very empirical explanation of a much more complex process. However, it surely does give a faint idea of what really goes on. So what's in it for you?
If you go straight with just the first auto insurance rate you get, you might pick the lowest (If you're extremely lucky). However, the other extreme is also a possibility (Picking the highest rate). The funny thing about this is that you could be paying twice as much for a similar, comparable or even inferior auto insurance coverage.
Therefore, you'll be doing yourself a world of good if you took out some time to visit specialized sites that provide auto insurance rates from A rated companies. Each usually returns up to five quotes per query. However, if you want to ensure you really get the lowest auto insurance quotes, visit at least three reputable insurance quotes sites. This ensures that you don't miss quotes from companies not covered by one quotes sites.
If you do this very well, you'll save a few hundred dollars in your auto insurance premium. A guy made savings of $2,200 by doing this (The figure was not a typo!). Do yourself a favor, get your auto insurance rates now.

If you want a cheap online car insurance quote, you've got to understand how it really works. If you do, it's easy. If you don't, you'll go through a part of the process and not get what you set out for. This article will help you take the right steps.
You can't go with the first quote you get and expect to get a cheap online car insurance quote. You have to do a little more than that. If you consider that all it takes is only a few minutes work (five minutes at most at each car insurance quotes site, you'll agree with me that it really doesn't take much from you to do this well. Bear in mind that depending on your profile, you could save over $1,000 if you do this well. That should be enough to motivate you.
The best strategy is to visit at least three reputable car insurance quotes and comparison sites. Make the number higher if you also intend to visit specific insurers' quotes sites. The ones I am referring to are those that return up to five quotes from different A rated companies for each query.
While you do this, make sure you input the same information in all sites visited. If you do otherwise, you'll get misleading results -- No fault of theirs. Therefore, make sure the information you give is the same in all quotes sites visited.
Someone may want to know why you should visit a minimum of three sites in order to get the cheapest online car insurance quotes. The simple reason is that no site returns quotes from all insurance companies available. By visiting as many as three sites (More for better results), you reduce the odds of missing out an insurance company that may give you the dirt cheap online car insurance quote you're looking for (Someone managed to save $2,200).

If you want the cheapest car insurance possible, look no further. This article will show you exactly what to do, how to do it and where to do it. First, let me show you things to do if you want to get the cheapest car insurance available...
1) Go for the minimum required by law in your state. If you go for the minimum, you'll be law-abiding and still mild on your purse. However, I assume you know the implications of going for the minimum. You don't get the same coverage as someone who goes for something more extensive. But you know your needs better than I do.
2) Ask for higher deductibles. The higher your deductible, the lower your car insurance premium. But be aware that you'll have to pay that amount first before your insurance company does anything if you ever have to make a claim. Make your deductible only as high as makes sense in your circumstance -- Something you can live with.
3) Make sure you pay all your bills promptly. Your credit rating will play a great role in determining if you truly get the cheapest car insurance rate possible.
4) Maintain a great driving record. Avoid "them" tickets. Like someone said, "They cost you much more than the fine you pay." They affect your car insurance premium.
5) Go for a smaller non-sports cars and avoid foreign cars. If you want to use a big car, you won't get the cheapest car insurance quote out there. They are simply more expensive to insure. The same goes for sports cars and foreign cars. The reasons for this is the subject of another discourse.
6) Drive less and use the public transport more. The lower your mileage, the lower your car insurance quote.
7) Get married. Sounds funny but it's true. Married persons get lower car insurance rates than their unmarried counterparts.
While doing some or all of these, take time out to visit at least three car insurance quotes and comparison sites. Compare the quotes they return and pick the lowest. In doing this, however, make sure you input the same information in all quotes sites visited. Doing otherwise will give you misleading results. This one is the sure way to get the cheapest car insurance quotes available on the planet.

If you want discount auto insurance, then you have to understand how insurance companies think. You'll know what they love, what they dread and what they care less about. The key to massive savings in auto insurance is knowledge and knowing how they think is a great place to start. That way, you won't need to read all the tips in the world to know what to do and what NOT to do...
Auto insurance providers are there to make profit -- Period! Every business has been profit as its goal. Although ethical companies will do their best to make such profits by providing much value to their service users, they must make profit or disappear. If you've got this down deep in your mind we can go to the next...
The kind of service provided by insurers is such that they sell you coverage for risk with the hope that you'll never need it. However, people will always need it. That's why insurance became a necessity in the first place.
So to stay profitable, insurance companies had to figure a way of providing the required coverage and still keep making a profit: They isolated factors that give an indication of the likelihood of making a claim. Based on these factors they calculate how many claims will result from a given profile. If, for example, a certain profile makes just one claim of $50,000 a year out of 1000 insureds, an insurance company will, theoretically, be highly profitable if they charge that profile $200 annually for insurance coverage.
This is pretty simplistic but it should give you an idea. This means that insurance companies will increase or discount your auto insurance rate based on your likelihood of making a claim. You can, therefore, get discount auto insurance if you develop habits that lower the likelihood that you'll be involved in an accident, need repairs, have your automobile stolen or vandalized.
Furthermore, if you actually go for a number of years without filing a claim you'll get a "no claims bonus." This means that there are certain claims that aren't worth it on the long run. Just use your commonsense and think from an insurance company's view point and you'll see things you can do to get discount auto insurance.
Lastly, I would have done injustice to the subject of discount auto insurance if I do not tell you the surest way of getting the lowest rate for your chosen policy given your current profile: Getting auto insurance quotes online. Since each insurer has to determine the risk they associate with each profile, you end up having different results (No two insurance experts will agree perfectly on how much risk a profile is). By visiting insurance quotes sites you'll see companies that charge your profile the least.

There are many factors that will determine whether you'll pay more or get discount car insurance. All these factors all attempt to do one thing: Calculate the likelihood that you'll ever need to make a claim. The higher the likelihood of your making a claim, the higher your car insurance premium. That's where defensive driving comes in.
I will try to explain the concept of defensive driving. A defensive driver drives in a different way. Such a driver assumes the worst of every other driver on the road and road user as well. If a driver in the front trafficates right, a defensive driver will by default take precautions that will ensure they are not caught in a collision should that car decide to go left unexpectedly.
They avoid everything that has been associated with accidents on the road. With experience, a driver will learn how to respond accordingly in situations but with proper training in defensive driving you'll take precautions that will ensure you are rarely caught in situations where only the best reflexes will save the day.
Defensive drivers simply put, are the safest drivers out there. They don't only drive their own cars, they also "drive" every other car that could affect them. This, hopefully, introduces you to the concept of defensive driving.
A defensive driver is trained to drive in such a way that narrows the odds of being caught in an accident. Although not all car insurance claims are results of accidents, not being involved in one will greatly reduce the need to make a claim. When that happens, you'll get discounts in your car insurance in the form of lower rates and no claims bonuses.
While you're at it, you can get discount car insurance by visiting car insurance quotes sites. These sites return quotes from different insurance companies. And, since one insurance may charge twice as much as another for the same policy (due to their different weightings of factors used in calculating rates), you'll save a few hundred dollars at least if you take out 15 minutes to visit at least three car insurance sites. Guaranteed: You'll get discount car insurance that

There are many things that add up to determine your car insurance cost. I'll go through them in this article and hopefully show you what you can do to alter them to your advantage. And, where you can't alter them, I'll show you how to position yourself to make savings in your car insurance in spite of them...
Your age is one factor that has a huge influence on your car insurance cost. You can't do anything but get older as far as your age is concerned. However, if you read through you'll discover that you can reduce or annul its benefits or disadvantages.
Your driving history is sometimes an even more important factor. If, for example, you've been convicted of driving under the influence of alcohol, you may find it totally impossible to get an insurer. And if you do get one, you'll have to pay twice or more than otherwise. Good a thing, you can do something about this one. I know being convicted of driving under the influence of alcohol is pretty extreme, but you'll also hurt yourself with increased car insurance cost by piling up speeding tickets.
How promptly do you settle your bills? Do you miss payments? If you miss payments on your bills, insurance companies will consider you an unstable and irresponsible person (I know that you missed your payments for other reasons, but most insurance companies think otherwise). It is common knowledge that car insurance rates are higher for those who skip payments of their bills and worse for those who have a very poor credit rating. They do check!
There are other things like the grouping your car falls into, your location, your mileage, safety features, sex and marital status. Since this article will get too long if I go into them all, I'll end by showing or reminding you of one step in lowering your car insurance cost: Getting multiple car insurance quotes.
If you have not done this or have not done it again in a few months, you could be paying more than you should. You should do this once anything about your profile changes. You can also do it whenever you come across a car insurance quotes site that you've not visited. The great thing about about them is that there is no obligation to get your auto insurance from any of their affiliated insurance companies. They are also free and quick. However, the best part for me is that if you visit up to three and compare your quotes, you'll easily save a few hundred dollars on your car insurance cost.

That getting multiple car insurance quotes is the way to realize massive savings in auto insurance is no longer a secret. What might be for some is how often they should get multiple quotes. Should you just repeat the process every month or every 6 months? There must be an optimum frequency. Yes, there is (or rather there are). Here they are...
You should do another comparison shopping on car insurance quotes sites when...
1) You buy a new car and need to insure it. It doesn't matter whether you already have none or five. Different insurance companies will offer different discounts for insuring more than one car, for example. Furthermore, the very car in question falls into a group as far as how expensive it is to insure is concerned.
2) When you change your residence. Do this even if you move to the next street. It may fall into another zone following auto insurance providers' mapping. And if it does, your car insurance rate will change accordingly. Insurance companies factor in how safe or otherwise a neighborhood is, the accident rate in the area and other location-based issues.
3) You alter your road use. This may be due to a change of job, retirement, health or other reasons. However, once your mileage changes significantly, you need to get new car insurance quotes.
4) Your credit rating improves. A poor credit rating does much harm to your car insurance premium -- You pay much more. Therefore, if you succeed in altering it for the better, get the most savings for it.
5) You get married. Marriage has a way of lowering your car insurance rates. This is because car insurance providers generally regard married persons as more responsible drivers.
6) You do a switch in your profession or occupation. There are favored professions as far as car insurance is concerned. You might have qualified for reasonable savings without knowing it.
7) You grow older. Typically, you should get new car insurance quotes once after each birthday. There are landmark years in auto insurance. However, if you don't know them all, you can avoid losing money by just going through the process after each birthday.
A general rule is: Get multiple quotes every time there's a major change in your car insurance profile. You can also get new quotes if you see a new insurance quotes site that you think may offer more savings.
These car insurance quotes sites will help you realize some more savings unless you've used them not too long ago...

Many insurance companies use a person’s credit rating as one of the determining factors in whether or not to offer them car insurance. In Oregon, insurance companies have an extra onus on them, in that before they can access a potential client’s credit history records, they have to notify them of their intention. For someone just looking for quotes, having many insurance companies checking into their credit past can be uncomfortable. Although in most cases if you want to enjoy a cheap car insurance rate in Portland, Oregon you will have to agree to this type of credit check, it’s beneficial to have the advance warning.
In addition to credit history, car insurance companies use other information to help them set a rate. This varies from one company to another but typically it’s the driver’s age, their driving history, the type of vehicle that the insurance is for as well as where the driver lives.
Trying to lower car insurance costs is something every person who drives in Portland, Oregon wants to do. There are different discounts available that apply to specific situations. For instance older drivers who invest money and time in a refresher driving course may enjoy a discount. The same is true of young drivers who are exposed to a driver training class. Insurance companies view these types of programs as beneficial and offer cheaper insurance rates to drivers who take advantage of them.
Also drivers who have been cited for speeding or have caused a few accidents can lower their rates by proving they’ve learned their lesson. The solution in this case doesn’t come quickly though as it usually amounts to having to stay accident and ticket free for at least a few years. After that, finding cheap car insurance in Portland, Oregon will be much easier for those drivers.

As with most major cities, Tucson, Arizona has its fair share of fatal car accidents. In recent years the number of fatalities has averaged around sixty. Obviously this makes a case for having a car with safety equipment like seat belts and air bags. It also speaks to the importance of having adequate car insurance. Finding cheap car insurance in Tucson, Arizona can keep you protected in the event you are in a serious collision.
The easiest way to secure cheap car insurance is by purchasing a policy that only includes the bare minimum coverage required by the law. This is really only advisable for individuals who absolutely can’t afford more coverage. Although this level of coverage will protect you for many accidents, if you happen to hit an inexpensive car, you may wish you would have considered a policy that was more extensive.
If you do decide to buy more coverage, consider these tips to help you save:
• Retain a higher deductible. When the agent is writing the policy ask him or her to include a higher deductible. Although this will cost you more when an accident occurs, it will save you on the premiums.• Group all vehicles together. Many families have several drivers all living under one roof. By purchasing a policy that covers all drivers and vehicles, you’ll likely enjoy a healthy discount. Ask your current auto insurance agent about this.• Remove car rental coverage. Many car insurance policies automatically include a fee for car rental in the event that your car is out of commission. You can save money by having that taken out of your policy.
The best approach to finding cheap car insurance in Tucson, Arizona is to do some comparison shopping. Ask for a few quotes from different insurers and then weigh them against one another. This way you’ll know who is offering the best rate that will ultimately save you money.

One of the facts about a person that can contribute to how high or low their car insurance premiums are is their credit history. For a person living in Albuquerque, New Mexico they are fortunate in that no insurance company can legally deny them coverage if they have a bad credit score. However, they can charge based on that score and for someone with a problem credit past, that can make finding cheap car insurance in Albuquerque, New Mexico a challenge.
There are some little known ways to save money on car insurance, and it’s highly unlikely your insurance agent will mention any before you do. Therefore you should ask about any or all when it comes time to renew or purchase car insurance:
• Ask your current agent about a renewal discount. Many vehicle owners don’t realize that they may qualify for a discount just for remaining loyal to their auto insurance company. When your policy is up for renewal, inquire about this.• Talk to your employer about the possibility of group insurance. Some companies actually have group insurance coverage that is available to employees. In many cases the premiums for plans like this are much lower than for individual car insurance because of the group discount. You may even be able to arrange to have your monthly or yearly premiums deducted from your pay check.• Drive less. Low mileage discounts are often offered by car insurance companies. If you are part of a car pool or you take public transit to work or ride a bike, mention this to your insurance agent.
Obviously there are some innovative ways to find cheap car insurance in Albuquerque, New Mexico. All you need to do is take advantage of every possible discount and keep your driving record clean and accident free.

Although many states in the union have laws that state that insurance companies have to offer a discount for having an anti-theft device in the car, such as an alarm system, Georgia doesn’t. The people of Atlanta need not fret though as many car insurance companies in this area of state, actually encourage their clients to purchase and install a safety device by offering them cheaper car insurance. This is a great way for motorists to enjoy lower premiums and decrease the chances of their car turning up missing.
In addition to having a car alarm, many car insurance companies offer additional discounts that can help in the quest for cheap car insurance in Atlanta, Georgia. One discount that many newly-married couples don’t take advantage of. Although marriage is a blending of two lives it also should be a time when two car insurance policies become one. Many insurers offer a discount for families that insure two or more cars. Even if you’re not married you can take advantage of this particular discount by taking out one policy with your roommate, sibling, child or anyone else living in the same home with you who drives.
If you’ve been negligent when it comes to obeying traffic laws, such as speeding restrictions, you may have noticed your car insurance costs going up. Many insurance companies now offer a discount to clients who have a history of citations, if they take a defensive driving course. Taking a course like this illustrates to the insurance company that the individual wants to improve their reckless driving habits. It’s best to ask about the discount before investing in the cost of the course.
Remember that driving better in the future will ultimately lower the premiums. Insurance companies offer the cheapest rates to the best drivers, so if your record isn’t spotless, adopt better driving habits.

Long Beach, California is a beachfront community that tourists flock to each year. It’s also the fifth most densely populated city in the state which means traffic can be a nightmare. For the people who reside in this Southern California city finding cheap car insurance is always a goal. Although being a responsible driver and getting quotes are two of the basics when it comes to finding cheap rates on car insurance, there are other approaches the penny-pinching motorist can take.
One is to take any extra coverage off older vehicles. The price of cars seems to always be on the upswing and many people, who have reliable older cars, are driving them as opposed to trading them in for a newer model. If you have an older vehicle that you know isn’t worth a lot, there really is no reason to keep comprehensive or collision coverage on it. Removing those levels of coverage, and keeping just minimal liability coverage is one of the best ways to find cheap car insurance in Long Beach, California.
Another way to get a good rate on car insurance is to ask about any discounts you may be entitled to as a member of an organization. Some automobile clubs, professional organizations and even alumni groups can get cheaper rates. Although you’ll have to show proof that you are indeed a member in good-standing, this can be a great way to lower the rates you would otherwise be paying.
Most people who have a car have a home that has homeowner’s insurance. Asking your home insurance agent about car insurance can actually result in a nice savings. Many insurance companies are multi-faceted and offer coverage for many different types of insurance. If you hold more than one policy with them, they may offer you a discount on one or all. This is a simple question that takes a minute of your time and it can result in big savings.

Fresno, California has the dubious honor of being one of the top ten places for car thefts in the country. This means that the people who live and work in this bustling city need to be more prudent than ever about adequate car insurance. There’s little you can do once a thief has driven off with your car, but if you have a good policy in place you’ll likely have a new set of wheels before long. It’s easy to see what finding cheap car insurance in Fresno, California is so important.
Some auto insurance companies actually reward their clients who take safety issues to heart. They may offer a discount if the customer has a car alarm installed in their vehicle. Although the size of the discount differs depending on the insurance company, it’s a good idea to inquire about it when asking for a quote.
Also ensure that you get more then one quote. Although many people compare car insurance rates with their friends or co-workers you can’t always be certain that the low rate you are being offered is going to include enough coverage for your specific needs. When collecting quotes get a detailed explanation from the agent about what is and isn’t covered under the policy. You’d hate to think you have adequate coverage only to find out you don’t after an accident.
Also don’t make the mistake of sticking with the same company year after year. Although they may have offered you the best quote several years ago, you may be able to secure a better rate now. Right before your policy expires each year, gather a few new quotes and do some comparing. You certainly aren’t bound to your insurance company and if a competitor is offering a cheaper rate it may be time to change.