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Do You Need More Affordable Car Insurance?

Do You Need More Affordable Car Insurance?

auto insurance quote online

Many people ask this question, especially among the younger generations. It seems like it is possible to accomplish anything online, and this is especially true when it comes to finding affordable auto insurance quotes online. In truth, it is disarmingly simple to get an auto insurance quote online. Almost any car insurance provider will let you enter in your information and receive a quote in no time at all.

The biggest benefit of taking the process to the internet is that you get to look for the best car insurance quote available by comparing multiple car insurance prices. If you want to start looking for car insurance estimates before you decide on an insurance provider, then there are several things you should know.

“Can I get an auto insurance quote online?”

Cheap auto insurance quotes are out there, but how cheap they are is dependent on several factors. The amount of coverage that you need, where you live and where you work, what kind of car you have, and the risk that an insurer takes on by insuring you are all factors on how much your car insurance premium will be. For example, when it comes to risk, young male drivers are generally more expensive to insure, because they tend to get into more accidents. About 28% of all car crash fatalities are involving drivers who are under 25 years old.

Finding an Affordable Auto Insurance Quote Online

Before you start looking for an auto insurance quote online, you should know what the average rates are. Just for perspective, some real life examples include a 2007 Chevrolet Cobalt LS Coupe in Ohio that has a $300 a year premium on one end of the spectrum. On the other end is a Mercedes S320 in Massachusetts, which has an annual premium of $1,996. Premium plans with comprehensive coverage can be between $1,000 and $4,000, while average insurance premiums tend to hover between $500 and $600 a year. Of course, different companies offer different deals, and the premiums can vary by as much as 50% from one company to the next. For example, car insurance is most expensive in Michigan, Kentucky, Louisiana, Mississippi, and West Virginia, and it has nothing to do with you or your car.

You can sometimes get lower rates by lumping car insurance in with the same carrier of some other insurance policy that you already have, or opting for low cost car insurance, which is applicable for some people with very old cars who choose liability-only insurance. You can also get discounts sometimes for having certain memberships, being older, and having taken defensive driving courses. Did you know that pre-owned vehicles are 50% less expensive to insure in the United States than a brand new vehicle?

If you already have auto insurance, then be sure to keep your policy on hand, your VIN numbers, driving record, drivers license, and other personal information as you look for cheaper coverage. You can look at average premiums for your region, and your car, and use online sites to get quotes from more than one carrier before you decide. Finding an auto insurance quote online is easy when you are prepared.

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