What’s a Guy Got to Do to Get Cheap Car Insurance Around Here?

Who do you have to talk to if you want to get cheap car insurance in today’s price driven society? Many drivers are frustrated with the cost of their car insurance, positive they’re paying too much-and most of them are right. Studies show that over 20% of Americans are paying too much for their insurance coverage.

The good news is, finding cheap insurance isn’t as hard as you might think.

In this case it’s all about what you know rather than who you know. You can have the best contacts in your insurance department, but if you (and they) don’t know how to use the car insurance system to save you money you’re going to be no better off than you would have been if you’d gone car shopping yourself. In order to get a good deal on your car insurance you have to understand how your insurance premiums work and, more importantly, how they can work for you.

The first thing most car insurance companies are going to want to know is where you live, where you work and how far you drive on a daily basis. The more time you spend on the road (especially the roads in America’s major urban centers) the greater the probability you’ll be in an accident. The magic number for most insurance providers is 15,000 miles per year or less; any more than that and you can expect to be paying a little extra every month to protect yourself when you’re out on the road.

The next step to cheap car insurance is to shop around-and identify the discounts you qualify for while you’re doing it. There is no universal system when it comes to determining what discounts a car insurance provider is going to offer its drivers; you might be able to save 20% courtesy of your anti-lock brakes at one company and no save a dime at another.

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Since most insurance companies are staffed by a very transient group of employees who may or may realize all of the discounts you qualify for, if you really want to get cheap car insurance it’s going to be up to you to make sure you get what’s coming to you. While there’s no guarantees that every company you talk to will offer you the same discounts, most insurers will shave at least 5% off your premiums for:

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