Choosing auto insurance always has to involve some diligence on your part, purely because you can never be sure what is available on the market. This is why auto insurers are always advised to shop around for policies before they settle down on one of them. Finding the best auto insurance rates for your vehicle and based on what you can afford is a tricky deal which is why research is all the more important.
Auto insurance based on your track record
If you have a very good track record, with a period of 3 years without any violations of accidents, you have all the more reason to shop. This is because most insurance companies will be more than happy to offer you great deals in the form of discounts and value added services. Therefore the best auto insurance rates you can get are better than what you would normally find online. Similarly, if your record is not good, you should try to get a rate as close as possible to the normal premium.
Rates based on special situations
If you drive less, whether it is because you are a senior, a housewife or you use public transportation to work, you have a greater chance of getting the best auto insurance rates available in the market. This is why you should shop more and bargain with auto insurance companies to get a discount due to this factor. Even if you are a student with very good grades or someone with an excellent credit, you are likely to get the best insurance rates, purely because the auto insurance companies look at you as a safe and reliable person, who is responsible in the way he or she drives too. All these factors should bring down your insurance cost.
Rates based on car condition and value added services
If you are highly risk averse and want to have both comprehensive and collision insurance along with the normal insurance everyone has, then the best insurance rates for you would still be higher than what most people normally have. The benefit however, is that for the multiple policies you can actually get a discount making the coverage more cost effective. Similarly, at a good price you might be able to get value added services like 24/7 helpline, roadside assistance if your car breaks down on the highway, or coverage for car towing and your transportation in an emergency accident.
