Enter Your ZIP Code

Match Needs with Resources to Find the Best Auto Insurance Rates


Knowing insurance needs and what you can afford is the most efficient method of finding the best auto insurance rates for your car.

The best auto insurance rates for you may not be best for other car owners. Your needs will be different and needs along with price are weighty factors in finding proper coverage.

Before you start searching for car insurance, determine, first, the kind of coverage most applicable for your situation. Ask yourself what you need. Is the minimum liability coverage enough? Or do you need to add personal injury, collision or comprehensive coverage? You cannot answer all these questions without considering your car, how it is used, where you live and a few other factors.

An expensive car means an expensive policy. Repairing or replacing it, in case it is damaged in an accident or stolen, takes money. Policies become even more expensive when a car is used extensively. This is understandable. People who spend more time on the road have greater chances of meeting accidents than people who stay at home most of the time. Another factor is location. Insurance firms like car owners who live away from congested, busy, population centers where accidents happen all the time. Most prefer clients who reside in quiet suburban communities.

After considering all these and deciding on coverage best for you, look at your income next.  This is a crucial part in finding the best auto insurance rates. You should be able to match needs with income. Prioritize your expenses and see what is left for your car insurance. However, do not decide immediately that you cannot afford your choice coverage. There are other things you have to do.

You can still lower your premiums by availing a couple more incentives that insurers give to clients. The most important of which is your driving record. Clients with clean driving records are considered low risk and unlikely to get involved in costly accidents and are granted considerable discounts.

You can also offset expensive premiums of your car by equipping it with safety and anti-theft systems. These features reduce the risk of serious injuries to passengers in accidents and risk of the car being stolen.

After doing this, you are now ready to shop for coverage. This is the most important part. Go online, request quotes from four or more insurance websites, and compare them. Select the best in terms of coverage and price; compare them with your own pre-determined criteria. Pay cash for the policy that meets your requirements. You get additional discount for paying cash. Finding the best auto insurance rates is not as difficult as it seems.