Getting The Cheapest Car Insurance

Getting the cheapest car insurance is partly a matter of finding a great insurance

company that can give you good rates without skimping too much on coverage, and it's partly about being the sort of driver who's going to get a good deal wherever you go. Now, for some of us, maybe it's a little too late for that second factor.

If your driving record isn't clean, all you can do is wait until all is forgiven, but for new drivers, keep the following in mind. Keeping your rates down is as much about how you drive as it is about who you select as your automotive insurer.

Drive Safe

It goes without saying that a driver who's already been found guilty in two or three accidents is going to have a harder time finding good rates than someone who's been driving for five years with no incidents whatsoever. If you're a young driver, just remember that when you act careless behind the wheel, you may survive any accident you get into, but it's definitely going to have you paying more for insurance even years from now. Drive safe and pay less.

Pay for Repairs

Let's say you get into a minor fender bender. Now, whoever's fault it is, the fact is that bringing the insurance company in on the action is almost always going to bump your rates up. If you can, pay for any minor repairs out of pocket whether it's your car of the other driver's. People are so eager to bring the courts in on everything, but most of the time, it's just plain not necessary. Insurance and the courts should really be seen as a last resort, not a first line of defense.

Drive Pre-Owned

When you have enough money coming in that you can afford your car payments without having to rearrange your budget, go ahead and do so. Until then, it may be smarter to buy a pre-owned car. You can buy a gently used car manufactured within the last few years that will be in just as good of shape as a shiny new ride, so why spend the extra cash? When you get a new car in most places, you're going to wind up paying for full coverage. That's fine if you can afford it, but for most of us, we just get the insurance we NEED so as to save quite a bit of money.

by: Lance Thorington

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