Car insurance deals that save you money

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How to save money

Knowledge is the key to finding the cheap car insurance you need. Once you understand what's involved in calculating the rates and why they change so much from one company to the next, you can learn how to save money.

How does insurance work?

Remember you want to be in a position to manage how much you pay. So we start with a brief summary of how rates are set. No matter which companies you ask for quotes, they are all applying the same principles to estimate whether you are likely to make a claim. If the insurer thinks there's a low risk you will have an accident, you will pay a low premium.

What are the factors you can affect?

    » How you drive: The more safely you drive, the lower the rates you will pay. So if you go years without picking up a ticket or getting into an accident, you will build up a safe driver discount.

    » What you drive: Some cars are more expensive to repair. This can be the cost of the spare parts or the amount of labor to fit the replacement parts. Some makes and models are easier to steal. But most importantly, some vehicles have high safety ratings. Choosing the right make and model can save you thousands of dollars over your lifetime as a driver.

    » Where you drive: If you choose to live in a densely populated city, the rates will always be higher than choosing somewhere rural.

    » Your mileage: The more miles a month you drive, the higher the risk of an accident. Long commuting journeys in heavy traffic will always cost you more in insurance premiums. Accepting a pay-as-you-drive telematics unit in your vehicle will prove low mileage and good driving habits, and earn cheap car insurance rates.

    » Inexperience: You are always more likely to make mistakes when you are starting off in practicing a new skill. So insurance rates will always be higher during the first years of driving. But you will earn discounts if you go through approved defensive driving courses to improve your skills.

    » How much cover you buy: If you drive an old vehicle, have paid off your auto loan, and have no real assets to protect, it will be sufficient to buy the mandatory minimum cover for your state. Should you be unlucky, you can throw the old vehicle away and buy a new "old" one. But if you own your own home, have savings and other assets, you need to protect yourself against the possibility of claims. Now it makes sense to buy more than the minimum. If you have an auto or bank loan, it will be a requirement for you to buy collision and comprehensive cover as well. Think about gap cover as well. People with cheap car insurance sleep better at night knowing they have the right level of cover.

    » Discounts: Not all insurers play fair and include all the discounts in the quotes they send out. Before you sign up for a policy, always check whether you are entitled to discounts. Being careful always buys you the cheap car insurance you want.

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