Enter Your ZIP Code

How low is low cost car insurance?


Low cost car insurance is what everybody hopes to have. With the difficulties that we are experiencing right now with our financial obligations, having expensive car insurance is the least thing that we would want in our lives. So, as much as we can, we try our best to get the best deals out of everything, including car insurance discounts. But how low can low cost car insurance go?

Car insurance costs differ from one state to another. This is because each state has a different economy in which the rates are generated. Different traffic laws, as well as driving statistics can affect car insurance evaluations and policies. There are states, which have as much as $2000 car insurance expense per annum and some states can have as low as $500. The average car insurance cost across the country though that has been recorded per year is $1500. However, even with this information, we are not able to predict how low low cost car insurance can be. The reason would be auto insurance companies evaluate the cost of car insurance premium on a number of different factors. We just need to identify how we can help ourselves get low cost car insurance.

Now, what are the factors that affect car insurance premiums? Driving statistics of your state affects how much your car insurance premium is going to be. With statistics, auto insurance companies would know how many car accidents occur in a year, information such as;

  • The location
  • The gender
  • Age group involved
  • What are the main causes of car accidents in the state

From this data, they will evaluate your age, your gender, your driving record, and your vehicle to know whether to give you low cost car insurance. If they can see you are a safe driver, you avoid violations and you take necessary precautions, they might just give you low cost car insurance.

So, keep your driving record clean from too many traffic violations, take necessary driving courses for you to be a good driver, and install necessary safety devices to avoid major injuries or even death when an accident occurs so you would get lower cost car insurance. There are also discounts you can ask your auto insurance provider. If applicable, you can ask about discounts when you have anti-theft devices, if you have more than one car and, if you are a member of a group and others.