How To Find Affordable Car Insurance

When you are looking for affordable car insurance, there are many different options which can affect your premium on an automobile policy. Fortunately, there are many steps you can take to make sure you get the best rate on your new policy.

Compare Rates

People often assume they can figure out the cheapest insurance options by simply filling out a form on a website, or talking to their closest friends about their auto insurance coverage. There are simply too many variables involved in any one insurance policy to get an accurate assessment of how much you will pay for your insurance.  

Shopping around for the best insurance rate is one of the most important aspects of purchasing new insurance. When you work with an insurance agency like Sanford Insurance, they will compare rates for 20 different carriers to ensure you get the best rate on your next auto insurance plan.

Maintain A Good Credit Score By Paying Your Bills On Time

Many consumers do not realize your credit score impacts your insurance rates in most regions of the USA. In Hawaii, California, and Massachusetts, laws prevent insurance providers from determining rates based on credit scores, but your credit habits are a factor in the other 47 states.

Consumers with the highest credit scores always pay their bills on time, and they have a low debt to income ratio.

Find Out How Much It Costs to Insure Your Vehicle

Luxury vehicles and sports cars typically are much higher to insure than other cars. Also, newer cars are generally more expensive to repair, which means they have higher insurance rates. You will want to contact an insurance agency before purchasing a car to determine how much it costs to insure.

Older models are traditionally cheaper to insure, and you could save even more money if you drop the collision and comprehensive coverage on an older paid off car. Collision coverage covers your automobile if you hit another vehicle or an object. Comprehensive coverage covers other events like animal collisions, vandalism, fires, hail storms, etc.

Maintain a Great Driving Record

Individuals with a poor driving record pay higher insurance rates than people who do not get tickets and do not get into accidents. Accidents which are determined to be your fault will cause your insurance rates to skyrocket. Speeding, drunk driving, and all kinds of driving citations will cause your insurance rates to rise. If you recently got a speeding ticket and have a court date, you should go to court to try to get the judge to send you to driving school to keep the ticket off your record.

Raise Your Deductibles

Most consumers never think to ask for higher deductibles on their rates. Opting for higher deductibles on your collision and comprehensive coverage will lower the rates you pay for the coverage on your automobile.

~~~

Want to know how to find affordable car insurance? Sanford Insurance will guide you through the process so you can get the best insurance rates possible. They will review policies with up to 20 carriers to make sure you get the best rates on your next insurance policy.

Contact us today to learn more!