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Affordable Auto Insurance: How To Find The Best Auto Insurance Rates

By Emily Johnson

You don’t have to spend a lot of time and effort to find the best rates on affordable auto insurance. By getting quotes and shopping around, you can find out what various companies in your area charge for coverage as well as what benefits they offer. Taking advantage of an online quote website can save you a lot of legwork during this process. These websites will gather quotes from various companies using information you enter on the home page. When you know which companies can offer you the best monthly rates, you can decide which one will best meet your insurance needs.

Because minimum insurance requirements vary between states, it’s important to find out what the requirements for your state are before you purchase an auto insurance policy. Depending on your state’s requirements, you may need to include coverage for property damage, uninsured motorists, and bodily injury on your policy. In many cases, purchasing more insurance than your state requires is a good idea and provides financial protection if serious injury or damage occurs in an accident.

Be sure to ask insurance companies whether they offer discounts as you’re shopping for affordable auto insurance. Companies offer discounts for people meeting various qualifications including military service, multiple years’ driving experience, location, and maintaining good credit.

One way to get affordable auto insurance coverage from the company that currently insures you is to opt for a higher deductible. If you have an accident, you’ll pay a certain amount out of pocket before the insurance company will step in and cover costs. The amount you pay is known as the deductible. In the eyes of the insurance company, high deductibles mean less risk for them, which usually results in a cheaper monthly premium for you. If you can cover some out of pocket expense for a minor accident, then choosing a high deductible may be a smart choice.

Drivers who have no infractions on their license can often receive a discount for auto insurance. If your driving record shows points or tickets, you can take a class in defensive driving that will remove some points. Parents with teens on their insurance policies should encourage them to take a driver’s training class in order to reduce premiums and should also stress the necessity of keeping their driving records clean.

Before you make the final decision on which auto insurance company you’ll purchase a policy from, call to speak with a customer service representative. The cheapest companies sometimes have the worst customer service and can make it difficult for you when the time comes to file a claim. Calling to talk with customer service before you buy a policy can help you find out what kind of service customers generally receive. Bear in mind, however, that companies often give better service to possible customers than they do to claimants, so factor that into the equation as you come to a decision.

Need cheap auto insurance? Take a look at our site for suggestions on getting great rates.

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Article Citation
MLA Style Citation:
Johnson, Emily "Affordable Auto Insurance: How To Find The Best Auto Insurance Rates." Affordable Auto Insurance: How To Find The Best Auto Insurance Rates. 3 Jul. 2010. 29 Dec 2014 <>.

APA Style Citation:
Johnson, E (2010, July 3). Affordable Auto Insurance: How To Find The Best Auto Insurance Rates. Retrieved December 29, 2014, from

Chicago Style Citation:
Johnson, Emily "Affordable Auto Insurance: How To Find The Best Auto Insurance Rates"

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