Cheap Car Insurance 0
Posted on 29, July 2013
in Category Auto Insurance
How to obtain cheap car insurance
There are many different ways to obtain cheap car insurance. The first thing to consider is that not all insurance companies are the same. Many of our clients choose a carrier for a variety of reasons. It might be an advertisement they saw on television or heard on the radio. Perhaps, they chose the company because their parents have always been with that company. This is the first major mistake when getting cheap car insurance. The second is that not all drivers are the same. For example, just because you may have a drivers license and were required to take a test to get that license doesn’t mean equal justice for all from the auto insurance companies. The last mistake people make in obtaining cheap car insurance is to consider the type of vehicle, coverages, and its primary purpose before purchase.
The first mistake is obaining cheap car insurance is that not all insurance companies are the same. Each auto carrier has a certain nitch in the marketplace. This means that carriers may be more competitve against each other in different catagories. The number one category when helping my clients get cheap car insurance is age. Youthful drivers will be more competitively priced with certain carriers compared to others. This also goes for senior citizens. That is why it is very important to choose the correct insurance agent when obtaining cheap car insurance. Many agents are captive, meaning they can sell only one carrier such as State Farm, Allstate, or Farmers. Others are independent meaning they work with several carriers.
The second factor to consider in obtaining cheap car insurance is the driver. All drivers are different in the eyes of insurance carriers because of driving history, age, demographics, profession, credit, and discounts in having multiple products with the same carrier. Again, it is very important to having a knowlegable independent agent.
Finally, the type of vehicle is crucial in obtaining cheap car insurance. It is going to be much cheaper to have an old pickup truck with liability only on a sixteen year old driver compared to a brand new Ford Mustang with full coverage. Also, the vehicle will be more competitively priced if it’s a weekend vehicle compared to regular use for work.
All of these are factors to consider in obtaining cheap car insurance. To get more information or a quote, contact Melliand Insurance at 1-888-786-8370 or visit www.insurancemadeeasy.us