5 Secrets for Lower Auto Insurance Rates

Kansas city car insurance

Having auto insurance is an imperative, not only for legal reasons but for reasons of common sense. Much like life insurance premiums which are based on age and health, your auto insurance rate is based on a number of factors, including your age, marital status, location, and vehicle. In the U.S., women tend to have lower premiums, and used cars cost up to 50% less to insure. The best car insurance quotes aren’t necessarily the cheapest auto insurance quotes, though it certainly is important to obtain affordable auto insurance quotes from which to choose. Here, we’ll look at a few tips for getting full coverage auto insurance at the best auto insurance rate.

  1. Know your coverage types. This is why the cheapest auto insurance rate isn’t necessarily the best. Full coverage includes bodily injury liability, property damage liability, medical payments, uninsured motorist protection, collision coverage, and physical damage.
  2. Know that your vehicle affects your premium. The current most popular car is the Toyota Camry Hybrid, a vehicle that is probably fairly inexpensive to insure. Premiums are partly based on the price of the vehicle and the cost to repair it. Sports cars and fancy SUVs will cost more than standard sedans and pickup trucks.
  3. Fix up your driving record. Factors like your age, gender, and driving record affect your insurance premium. You have no control over your age, some control over your gender, and plenty of control over your driving habits. Single males under 25 statistically have the most accidents, so they pay the most, though you might be able to reduce the effects of that disparity by driving very carefully. Only about 84$ of American drivers always wear their seatbelts. Don’t be in that 16% who don’t, and be sure to obey traffic laws in order to keep your rates low.
  4. Figure out what you need. Underinsuring yourself can be dangerous, though overinsuring can get expensive. State laws factor into the minimum amount of insurance you need to have, though you should be sure to adjust based on the number of assets and income you have.
  5. Pay attention to available discounts. Here are some of the most common:
    • Driving less than 7500 miles a year.
    • Alarm installation.
    • Insuring your home and vehicles with the same company.
    • Passing a defensive driving course.
    • Quitting smoking or drinking.
    • Making the honor roll or moving to college.

Lowering your auto insurance rate is as easy as making a few small adjustments. Talk to your provider today about how you can lower your premiums and pay less for car insurance. Find more on this here: Tulsa auto insurance

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