About Auto Insurance: The Secret to Finding Cheap Car Insurance Posted By : Chris Robertson

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The Secret to Finding Cheap Car InsuranceBy: Chris Robertson

[ Posted On: 2010-04-20 ]
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It doesn't take much effort to sign up for auto insurance, but shopping around for cheap car insurance will cost you in time and effort. And keep in mind that cheaper isn't always better. There's much more to an auto insurance policy than the premium amount.

You might ask, "What is the secret to finding cheap car insurance?" The answer lies in how deep you're willing to dig. Sure, you can compare two or three providers around town, but these might end up being the highest priced companies in the neighborhood. To find truly cheap auto insurance, you'll need to compare at least ten or more providers to ensure you're getting the fairest price for your needs.

Thankfully, you don't have to physically visit each provider's local office to do your comparison. You can now compare auto insurance providers online through one venue. Many sites offer free online quote comparison, and there's no obligation to purchase the insurance once you receive your quotes.

How to Compare

The first step is to find a reliable comparison site. Read the website's various pages explaining what is offered and the comparison process. Make sure the site offers comparisons for your state. Not all providers offer car insurance in every state. You'll need to do state-specific comparisons to narrow your search. Also, be sure the company offers adequate information in each quote so you can make an informed decision. You'll have to fill out a form stating your general information, automobile type and year, possible discount qualifications, etc. This information helps providers give you an accurate quote. But keep in mind that the actual price might still be higher or lower as you investigate several providers further.

Types of Coverage and Pricing

The types of coverage you select can make a huge difference in quotes. When comparing for cheap car insurance, you'll want to select the coverage you need, but avoid add-ons if possible. These include towing and comprehensive. Comprehensive can come in handy if you live in a high crime area or if you live in an area that's susceptible to inclement weather. This means if your car is at risk of being stolen because of where you live or if your area has frequent hail and wind storms, comprehensive coverage might be worth the added investment!

The two main types of coverage are liability and collision. Liability is required by all states, and the amount of liability needed is dictated by the state. This means everyone must purchase liability coverage....no matter how new or old their vehicle. This covers damages to the other person's vehicle or bodily injuries if you are found at fault in an accident. A few states have adopted a no-fault policy, meaning each individual is responsible for his/her own liability no matter who's at fault. Liability coverage is still required in these states.

Since liability is a must, this will be your starting ground with all providers when seeking quotes. Collision is not required by states, but may be required by your lender if you are still making payments on your automobile. Collision covers repairs or the replacement of your vehicle if you are at fault in an accident, or if you are involved in a one-car accident for any reason. The amount of collision coverage you purchase is entirely up to you. Consider the value of your car and how much you still owe the bank (plus interest). This will give you a dollar figure to go by when purchasing collision coverage.

Deductibles

Another way to obtain cheap car insurance is to raise your deductible. Insurers will often lower your premium if you agree to accept some of the financial burden of repairs. This means if you select a deductible of $1,000, you'll pay for the repairs as long as they don't exceed this amount. After they reach $1,000, the insurance policy kicks in and covers the rest. High deductibles are mutually beneficial because you assume some of the risk while also enjoying the benefits of lower premiums.

Finding cheap insurance online involves many other factors, but these are the basics. Use a free site to compare cheap car insurance providers today. You might be surprised at the savings you have been missing out on all along!

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About The Author: Chris Robertson -- is an author of Majon International, one of the worlds MOST popular internet marketing companies. For tips/information, click here: cheap car insurance. Visit Majon's automotive-parts-accessories directory. before and after the --> | View Profile & All Articles By: Chris Robertson |

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