When looking for auto insurance, you want to get the best possible cover for the cheapest possible price. There are numerous ways of doing this, depending on the type of cover you are looking for and what category you fit in. With the right approach you will be able to sort out what is best for you.
In a lot of cases there are specialist insurance companies for people. For example women are statistically less likely than men to have an accident. However a standard provider will cover both men and women, meaning your premiums go up in line with more at risk groups. This is why you may benefit from choosing a policy from a company aimed directly at women.
The same is also true of older drivers. Older drivers are less likely to take risks while driving and are more experienced. Therefore you will probably benefit from a policy aimed exclusively at older drivers.
However, there is the chance that you do not fall into this kind of category. In this instance there are other ways to save money on your quote. If you are a careful driver, you can often get better premiums if you have up to five years of no claims. Younger drivers can benefit from refresher courses, both in terms of reducing premiums and encouraging safer driving.
Another way of saving money is to have a voluntary excess also known as a deductible. This is where you agree to pay for the cost of repairs up to a certain amount. While this can leave you out of pocket in the event of an accident in the long term it will reduce your premiums. If you are a younger driver this is very likely to be the case as you are unfortunately in the highest risk category, so anything you can do to save money is worth doing.
When looking at car insurance quotes, the best place to look is online. If this is the first time you are applying for insurance, it is worth looking at the various introductory offers available. Some companies are not available on car insurance comparison sites, so it is worth having as broad a search as possible.
Comparison sites are useful as they give you a chance to see what kind of prices are available to you. A lot of sites also offer clear tables that show what cover you get for your money, such as anti vandalism insurance that will not affect your no claims bonus. It is generally recommended to get at least three quotes to get an idea of what your policy should cost.
With any auto insurance quote, the additional benefit of knowing how much it costs is the leeway it gives you when negotiating with a company. In some cases you may get a discount or possibly extra cover for your money. A lot of companies will have a list of discounts available, such as for having security devices on your car. It is worth getting in contact and seeing what is available.