Auto Insurance Quotes Should Be Based on How Much You Can Afford to Pay Out of Pocket

What would you say your top priority is when you’re shopping for auto insurance quotes? Company reputation? Quality? The number of perks you can add to your policy? Most drivers’ decision making criteria is much simpler than that. They’re looking out for what they can afford to pay out of pocket.

Keeping Your Deductibles Low and Your Out of Pocket Repairs Non-Existent

The phrase “out of pocket expenses” has two meanings in the wide, wonderful world of auto insurance quotes. First and foremost, it’s talking about what you have to pay above and beyond your insurance coverage. That means your deductibles and any repairs not covered under your policy.

Higher deductibles=lower premiums, which is why most professionals want you to consider how much you can seriously afford to pay when you’re in an accident. You will (hopefully) have more months when you have to write a check to cover your premiums than months you’ll have to write a check for your deductible. The long term savings of a slightly higher deductible can more than justify paying the extra amount on the rare occasions you happen to get up close and personal with the bumper of the car in front of you.

It’s important to study your policy carefully so you know exactly what’s covered -and what you can do to keep from getting slapped with the bills for the things that are not! Regular maintenance, rapid repair of small damages (particularly cracks in your windshield) and parking in a safe area are the best ways to keep your car well out of the line of fire and your bank account safe from unexpected expenses.

Keeping Your Premiums Under Control

The largest out of pocket expense you’re ever going to have when it comes to your auto insurance is the premium you pay each month. With that in mind, it’s good to keep an eye out for ways to shave some zeros off that check you write each month! Here are some fast, easy ways to help you find lower auto insurance quotes and keep your money safely in the bank where it belongs!

a) Drive carefully. Nothing kills your ability to get a good deal on your insurance rates like multiple accidents or speeding tickets. Follow the rules of the road, pay attention and never drive when you’re sleepy or distracted. A clean driving record is your free ticket to great insurance rates.

b) Clean up your credit rating. A good credit score is considered to be a sign or responsibility, which translates to being a lower risk behind the wheel. Take advantage of that!

c) The more expensive your car is, the more you’re going to pay to insure it. Keep your insurance rates in mind before you go shopping for the sports car of your dreams.

Instead of your conscience, let your out of pocket expenses be your guide when you’re shopping for auto insurance quotes.


Cheap Auto Insurance- 5 Tips To Getting The Cheapest Auto Insurance

If you have been in an accident, received a ticket, or have a child on your auto insurance plan you are probably beginning to think that it is just too expensive. This is true for almost every American family and because of this many are trying to get cheap auto insurance.

The question many people ask is, “Is cheap auto insurance worth buying?” When you get the bill for your car insurance it is nice seeing it being a small bill but that small bill could be a mistake when it comes to the actual policy. You should search into the insurance company before you buy the policy.

If you want to stay with the best company then there are ways to reduce the cost. Here are some tips you should follow when looking for cheap car insurance:

1. The best way for you to get cheap car insurance, no matter what company you are with, is to drive carefully. Things such as speeding tickets and accidents are going to make the bill higher. If you are a good driver who has not received a ticket or gotten into an accident there are going to be big discounts for you. So, drive safe.

2. Pay close attention to your policy when it is time for you to renew your plan. Most of the time there are things you can eliminate from your plan, which will lower the cost.

3. Do not just renew with a company because they are the company you have always used. There are many online discount car insurance brokers now that give you fast quotes, not only for their company but for the major ones as well. Using these sites will help you to find the cheapest car insurance possible.

4. Pay close attention to your deductible amount. The deductible amount is the amount of money you pay first out of any claim. If you are a very good driver with a great driving record you should put out a large amount of money in the event of a claim. Why do this? You should do this because you will be able to save money by increasing your deductible.

5. Look at the car you have. Certain cars, such as sports cars and cars that are more likely to be stolen, increase your bill. If you are buying a car try to avoid cars like that so you do not have to pay a lot.

Buying cheap auto insurance is a good idea if you are trying to save money and if you follow these five tips you should be able to find a cheap car insurance policy.