how to make car insurance as cheap possible?
i don’t even wanna pay it but if i can get a reasonable price i will pay it.
its just ridicoulus how much it costs ( i got no spell check by the way)
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Business Ian Magazine
Business Ian Magazine , Businessmen & Business To Business Guide
If price is your only concern (you don’t care about coverage, company stability, etc.) Then:
1. Be over 25.
2. Be Married.
3. Be Female.
4. Don’t have any accidents or tickets on your records.
5. Have outstanding credit.
6. Do not have a loan balance on your vehicle.
7. Do not have collision or comprehensive coverage on your vehicle.
8. If you have a renters/homeowners/condo policy, try placing it with the same company and see if they offer a package discount.
If you are under 25 it costs more. Buy an old car and the insurance will be cheaper. Just take the limited type of coverage required by law and don’t take any collision.
If you own your car outright, you can choose to only carry the state minimum liability insurance. If you are still paying off a car loan, your lender may require a higher level of insurance. A higher deductible will sometimes bring your monthly payment down but you will be on the hook for large bills if you get in an accident.
Insurance rates are based on a number of factors including your age, your driving history, your credit history, your claims history, the type of car you drive (age, engine power, average repair costs), and the location where you live. You can control some of these factors but not others.
Make sure you get quotes from several different places. When I bought a car a few years ago, I got several quotes that were fairly close to each other but a company that advertises on tv as "low cost insurance for everybody" was DOUBLE all of the quotes from the other companies. If you get several insurance quotes within a two week time frame, it will only count as one inquiry on your credit report.
In my city, if you get pulled over without insurance, they tow your car and you can’t get it back until you show proof of insurance, go to court, pay towing and impound fees. Then they hit you with a penalty for the next three years. That’s a lot more expensive than paying for the insurance in the first place.
Be an experienced woman driver driving a low risk car in a low risk area and take most of the risk yourself.
What makes insurance more expensive is people not paying, so those who do pay have to pay more,
and people making unnecessary claims, because the insurance company will pay. Well the only way they pay is by putting up premiums
Shop around for the best deal. But do definitely get insurance. Insurance rates will vary based upon your age, gender, what kind of car you drive, how old your car is, where you live, what safety features your car has (ABS, airbags, security system, etc.), your driving record (tickets and accidents), if you have had other insurance claims in the past, if you currently have insurance, and what your deductible is. If you choose a higher deductible, the premium will be lower, and vice versa.
~~Raising your deductible is one way to really lower your premium. If your car is older and paid for you can just carry liability insurance (better make sure you are a great driver though), also greatly lowers that premium. Keep a very clean driving record. That’s as low as you can get your premiums with the above.~~