Get a cheap auto insurance guide: Understand how rates work and what type of coverage is best

Auto insurance is something no one wants to pay for, but it is necessary and must be done. It may seem like an unnecessary expense at first – until your car is damaged in some way and it is then important that you get that claim paid. At this point, it’s the deductible that you don’t want to pay. Regardless of what type of vehicle you have, at least get cheap auto insurance that will cover the basics and meet your state’s requirements.

Use online tools that allow you to compare more than one quote at a time so you can see the similarities and differences between multiple insurance companies. If you have home insurance and your provider also offers car insurance, see if you can get a discount by bundling everything together.

In addition to the vehicle model and make, your driving history, age and credit rating, here are some other factors that will affect the rates you get when looking to buy cheap car insurance:

• Postcodes – some areas simply have more accidents and car losses than normal due to tougher roads and traffic and/or high crime rates.

• Mileage – The number of miles you drive your vehicle each month can affect insurance rates.

• Age and marital status. Young, unmarried men usually have to pay the most.

• Past Claims History – People who have filed claims in the past are more likely to pay more when switching companies or renewing a current policy.

Where you can get cheap car insurance even if you are at high risk

Each company has its own rule of what constitutes “high risk”. If you’ve been involved in an accident or have other negative entries in your driver’s log, the premium will vary from company to company. As long as you’re diligent and looking for discounts and savings, you should be able to find a policy and rate you can live with.

If you have an older vehicle, you might want to forgo comprehensive insurance as the money you pay for insurance could cost you a lot more than what the old “clunker” is worth anyway. However, it’s probably a good idea to have some form of coverage to help pay for the cost of your medical bills if you get injured.

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