There are a couple of important things you have to do if you are looking for low cost car insurance. It is a good idea to search online for quotes and find out the incentives insurance firms grant to selected drivers.
Let us take a look at the incentives first. The following drivers are favored by insurance companies.
- Women drivers. They are found to be careful drivers and are less likely to get involved in accidents than men. Their premiums are generally lower than men drivers.
- Good students. They are regarded as responsible persons, and since responsible persons do not drive recklessly, they get the same treatment as women drivers.
- Drivers who live in a suburban community where there are less incidence of accidents.
- A driver who drives medium priced, well maintained car is assessed low premiums. His car’s repairs and replacement expenses is not as costly as drivers with an expensive car.
- A driver who installs adequate safety and anti-theft systems in his car. His car will not be prone to thefts. He is protected from serious injuries in case of accidents.
- A driver who drives his car primarily on short trips. He has low mileage and is likely not to meet accidents.
- A driver who pays his bills on time. He is also considered a responsible a person who will pay his premiums on time and not drive recklessly.
- A senior aged 50 to 74. He is considered the safest driver around. He drives deliberately and if he is a retiree seldom strays away from home for long trips.
- A driver who has a clean driving record. This is the most important of all. It is the clearest manifestation of a responsible driver and car owner. You get the biggest incentive for this.
The list above describes a low risk driver. Insurance companies wish all drivers are low risk drivers. You cannot be all of the things enumerated above, but a couple or more of those characteristics will entitle you to significant discounts. Working for any of these discounts is the surest way to get low cost car insurance. You cannot miss it.
Now, the second thing you have to do to get low cost car insurance is to search online for insurance quotes. Online search is recommended because it is the fastest way of knowing the price of policies for different insurance companies. You need to compare because insurance companies do not have the same prices. You may get not only low cost car insurance, but the best quality.