Inexpensive Auto Insurance

The quickest way to inexpensive auto insurance is to only get what you need. If you have a health plan, it probably duplicates the auto policy's medical coverage. So you can drop this duplicate coverage, if allowed by your state. Or if you're driving an old car that isn't worth much, you could eliminate the collision and comprehensive coverage. The rule of thumb is, if your car is worth less than ten times your annual cost for the coverage, it makes sense to not have it.

Naturally, the better your driving record is, the more likely you are to get inexpensive auto insurance. But even with an accident or traffic tickets on your record, some companies will offer you a discount if you take a safe-driver course.

A major factor in determining how much you pay for auto insurance is the car you drive. If the features that made you want the car, are also appealing to car thieves, you'll pay higher rates. But if that's the case, you still can get inexpensive auto insurance by taking steps to deter thieves, like installing a burglar alarm or etching ID numbers in key locations.

Although you can't change your age you can reduce some of the negative effect if you're young. Drivers younger than 25 pay more for insurance because they tend to have more accidents. But if you're still in school, many insurers will help you get inexpensive auto insurance by giving you a discount for making good grades.