Learn the Secrets of Getting Cheaper Car Insurance Rates by Following These 4 Simple Rules

Maintaining an auto insurance policy that provides adequate protection is absolutely necessary, but overpaying for the coverage is definitely not. The good news is that it is quite possible to get cheaper car insurance rates by following some simple rules.

Shop Around for the Best Quotes

While most drivers are aware that they can save a substantial amount of money by shopping around for auto insurance, the simple truth is that many consumers view the process as very frustrating and time consuming. Few people realize that online car insurance comparison sites can help deliver multiple quotes and rates within just minutes. Filling out a short online form is often all that it takes to immediately have access to all of the pertinent information that should be used in selecting the best car insurance policy. The ease of use and speed of such a process makes it impossible for anybody to say that they simply do not have the time to fool with shopping around.

Take Advantage of Available Discounts

Many discounts are available to consumers and some of them will only be offered if an applicant knows that they are in fact eligible. Safe driving discounts are available for individuals that have not had any type of incidents or accidents within the last few years. Drivers that have completed some type of instructional classes or defensive driving training typically qualify for at least a 10-15% discount off of their auto insurance premiums. Some vehicles have safety equipment such as air bags and passive restrain systems that can also help qualify and individual for better auto insurance rates.

Bundle Multiple Policies with the Same Company

Most individuals have their insurance policies spread out amongst multiple companies, and what must be understood is that better rates are often available to loyal customers. While most people have retained a home owners insurance or renters insurance policy with the cheapest possible company, statistics reveal that even better rates can be achieved by bundling multiple products and policies with the same insurer.

Select Adequate Coverage Levels & Deductibles

There are plenty of different factors that go into the calculation of auto insurance rates, and it can be helpful for a consumer to learn more about the exact levels that they need. Although it would be a mistake to carry too little car insurance, it also is not wise to purchase too much protection. Every drivers situation is obviously somewhat different and individual needs are going to dictate the best levels of coverage. However, most people are not aware that a $500 deductible instead of a $250 deductible could mean cheaper car insurance rates. Consumers should seek the advice of an insurance professional if they are not sure what the various provisions cover and this is key to avoiding unnecessary protection and costs.

Auto insurance is mandatory in many states and is never a bad idea, but too many consumers are paying more than they need to. By following the above simple rules, cheaper car insurance rates are both possible and fairly easy to obtain.

Parking Lots Raising Your Car Insurance Rates?

According to the Independent Insurance Agents and Brokers Association, 20 percent of all car accidents take place in parking lots. That does not include all the minor dents and nicks that often go unreported. Such crashes happen at slow speed; however they can still cause pricey repairs and increased auto insurance premiums. Unfortunately, now and then, people walking and drivers are injured.

To lower your parking lot risks…Park away from hectic areas. The majority of drivers crowd into the spaces near store entrances, leaving the rest of the lot nearly vacant. Your automobile is much less likely to be crunched — and you will be able to view better when you drive out — if you take a spot inside a little-used area. Seek out two vacant parking spaces, one behind the other, and drive through to the one in front so that you don’t have to back up when it is time to depart. However make certain no one is pulling into the front spot from the other side. Steer clear of hazard zones. By pass spots adjacent to big vans or SUVs if you are in a more compact automobile — you will have a tricky time seeing around these vehicles when you need to go. Also, make an effort to avoid spots adjacent to cart-collection areas — the possibility of dings and dents are most significant here.

Look where you are going. Diverting your attention while driving is responsible for countless parking lot accidents. We believe we see an open spot in the next row or a friend might be walking by. This temporary distraction is all it takes for someone to step or pull in front of us in a crowded parking lot. If your car is going forward, your eyes must be looking forward. Use your peripheral vision to locate open parking spaces. Completely clear fogged or snow-covered windows and windshields. There is an inclination to dash out of parking areas, but driving with incompletely cleared windows and/or windshields increases the odds of having an accident. Fasten your seat belt before pulling out, not while driving. Drivers frequently believe they are “safe” in parking lots, so they wait to put on seat belts. That’s an error for two reasons 1. You could have an accident with no seat belt on before you leave the parking lot… and 2. Messing with a seat belt while you are driving increases the chances of an accident. Complete any cell-phone calls, put on your sunglasses if you need them, fiddle with your CD player or radio and enter data into your navigation system before you leave your parking spot.

Lastly do not put confidence in your mirrors. Rearview mirrors don’t furnish an accurate picture of what’s transpiring behind your car or truck. Ultra-modern backup sensors and rear-mounted cameras do not reveal all obstacles, either. To back out of a parking spot in safety- rotate your body to the right, looking over your shoulder so you face backwards, leaving your left hand on the steering wheel. You shouldn’t feel hurried by other drivers. It causes mishaps. The driver impatient to have your parking spot can delay a few more seconds as you take the time to pull out carefully.

Cheap Car Insurance: Factors that Affect Your Car Insurance Rates

When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your auto insurance rates:

Your age

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.


Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you CAN change that impact your auto insurance rates:


Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Driving violations

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.

Accident claims

While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.

Credit rating

That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.


A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!

Other factors that go into determining premiums:

Miles driven per year

Distance to work


Years of driving experience

Business use of the vehicle

Whether or not you currently have auto insurance

Theft protection devices (often results in discounts)

Multiple cars and drivers (another opportunity for discounts)


It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.

Please note that this description/explanation is intended only as a guideline.

For more information about auto insurance please go to: Insurance.com