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How to Get a Cheap Car Insurance – Your 7 Steps to a Good Deal
by: Tommy Gordon

Are you wondering how you can purchase cheap car insurance? Worry no more! Here you'll get the seven easy steps to getting the cheapest quotes and the best deals available. Use one or use all, each of them is sure to lower your rates.

The cheapest car insurance is not necessarily the best auto insurance. But, as car insurance is mandatory for registering and driving your car, it is necessary to purchase insurance for your car. The next seven tips will help you choose, if not the cheapest, then the best deal:

1) Compare auto insurance quotes online – insurance companies save money on man power with online quotes and purchase, some of that money goes back to the client and makes your insurance cheaper. There are many companies providing instant quotes. Depending on your auto (and make sure you provide honest answers) or the number of cars you want to insure, you'll get a preliminary estimation. Don't take this sum as the final quote and don't choose the cheapest quote without analyzing the coverage offered in the insurance policy.

2) A clean credit history ensures significant discounts. To put it simple: car insurance gets cheaper if the owner (that's you) is a reliable payer. However, most insurance companies will have an option of "bad credit quotes". If you have a bad credit history, don't waste your time (your time is also valuable) on the companies that don't give you this option.

3) To get an advantageous insurance it is recommendable that you put al the cars you own under a single policy. Some insurance companies offer very good discounts for multiple cars insurance policy.

4) There are many underinsured or uninsured drivers. You'll need coverage in case of an accident caused by an uninsured driver. Make sure your insurance covers such mishaps.

5) Choose the insurance that fits your financial possibilities and the condition of the car. Once your financial status improves or the vehicle deteriorates, you should update the status of your policy.

6) If you plan on moving soon, choose a short-term car insurance plan – we recommend a one year car insurance. Insurance plans vary from country to country and even from state to state.

7) Make your vehicle as safe as possible both in terms of driver and passenger safety (seat belts, air cushions etc.) and is terms of theft (a car alarm an immobilizer etc.) – this will lower the premiums, thus providing for a cheap insurance plan.


Car Insurance - Inflated Quotes Costs Consumers Millions Yearly
by: Gary Hollins

Even though lower car insurance quotes are occurring through competition from warring insurance companies vying for new business, as well as increasing online quote houses, millions of consumers are still paying dramatically more for their car insurance than they have to, to the tune of millions every year, and hundreds of dollars per household.

Online quote houses, such as, states on its site that on average, customers can save $451 on their car insurance by comparing car insurance quotes with them.

But these typical savings won’t affect the average consumer unless they take action and compare their rates, both online, and with national and local agents in their area.

All auto insurance is not the same. In one study by a major insurance company conducted between 1999 and 2004, a six-month auto insurance policy fluctuated between a low of $481 to a high of $586. This translates to a year policy costing as low as $775, to as high as $1256 for the exact same coverage.

This means one thing: for consumer to save, find good service, and get a good rate on their auto insurance, they need to shop, shop, shop.

It may seem simple, but according to studies by a major online carrier, only 20% of the people surveyed actually get more than one quote before buying their insurance.

Experts agree that getting a mix of quotes from large as well as small insurers will give you a good mix. lets you pick from a wide variety of national insurers through their automated providers.

Experts also suggest that, even with the convenience and speed of online quotes, you should consult local providers as well.

In the long run you should shop around, and get quotes from as many places as you can before making a final decision. In the end, it will save you big money.


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