Are you a new driver looking for affordable car insurance? Or have you been off the road for a few years, but are now looking into buying a car? If so, it can be tricky to find a good rate; young or inexperienced drivers are considered high-risk by most providers, which means they are often charged more. Here are some tips to help you get the best deal and save money on your car insurance.
Compare insurance companies. The best way to get affordable car insurance is to shop around. Check as many providers as you can, and see who is willing to give you the best deal.
Stay safe. You’re already a high-risk driver, thanks to your age or inexperience. Keeping your vehicle safe will help cut the cost of your insurance. This includes having airbags, automatic seat-belts and anti-lock breaks in your car. Having a reliable burglar alarm installed can also reduce the price of insurance.
Take a driver’s training course. Many insurance companies will give you a lower rate if you took a driver’s education class.
Use another mode of transportation. If you drive to work every day, you could be significantly increasing your rate– especially if you live in the suburbs but work in the city. If your vehicle is primarily driven in a suburb or small town, insurance rates are likely to be lower. This is partly because there is less traffic outside of the city, and because your car has a smaller chance of being stolen. Even if you don’t work in a city, you could benefit from taking the bus or carpooling to work. This is because your insurance rate is partly based on how often you drive your vehicle. If you’re not driving it every day, you will get more affordable car insurance.
Don’t buy an expensive car. The more expensive the car, the more expensive your insurance will be. This is because new or expensive cars are more likely to be stolen, and because it costs more to repair them than it does older cars.
It is more difficult for beginners to attain affordable car insurance, but it isn’t impossible. By comparing quotes from different providers and taking a few extra steps, you’ll be sure to get a great deal.