How to Find Cheap Auto Insurance

A great place to start shopping for cheap auto insurance is by comparing quotes from multiple providers. This way, you can make sure you’re getting the best deal on your policy and that it includes all of the coverage you need.

You can also save on your premium by taking advantage of discounts offered by different insurance companies. These discounts can be based on a variety of factors, including your driving history, certain groups or organizations you belong to, car features, customer loyalty and more.

Low-mileage drivers can also qualify for a discount, as can people who live in rural areas and those who choose to use their car more for short trips rather than for long journeys. Some insurers may also reward you for completing a defensive driving course and remaining claims-free for a period of time.

Some car insurers also offer discounts to drivers who purchase their policies online. This can be a good choice for many reasons, including convenience.

If you’re a young driver, you can get cheap car insurance by avoiding an accident or speeding ticket on your record and adding comprehensive and collision coverage to your policy. Teens who add an at-fault accident to their driving record can expect to pay 23% more for car insurance than a non-at-fault teen.

Another important factor that affects your premium is your age and credit score. Drivers with poor credit are considered to be high-risk, and the more your credit score improves, the lower your rate will be.

Senior citizens, on the other hand, can typically find cheap car insurance if they are mature and responsible drivers. In fact, many national carriers offer the lowest rates to this group of drivers.

These savings can add up to a significant amount over the life of your policy. That’s why it’s so important to compare car insurance rates every few years, so that you can be sure you’re always getting the best deal.

You can even use NerdWallet’s car insurance comparison tool to find the cheapest auto insurance rates in your area. It’s also a good idea to call or visit an agent at least once a year to ask about the discounts you’re eligible for and any other ways you can reduce your costs.

It’s worth noting that a few small, region-specific auto insurers can offer even cheaper rates than the big names. These insurers tend to be smaller and more focused on their local customers’ needs, and they often provide excellent customer service.

Some insurance companies will also offer a discount for drivers who are part of a certain group, such as teachers or police officers. Statistically, these groups are less likely to file a claim than others, and insurers return the savings they’ve paid out back to you.

Some other ways to save on your car insurance include choosing a longer term with the company, paying up front and improving your credit score. Other factors that can impact your insurance rate include your age, the kind of vehicle you drive and where you live.