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How to Find the Cheapest Cars to Insure

When you’re on a budget or buying your first car, it’s important to understand that the cost of the vehicle itself is not the only price you’re going to pay on your car. Make sure you don’t overpay for car insurance with our FREE ZIP code search!

You only buy the car once, but you need to keep paying insurance on it for as long as you plan on driving it. The alternative is, well, steep fines and possibly even jail time, so don’t look solely at the price on the windshield, consider the overall costs from your auto insurance companies over time as well. Get the right coverage for the right price with our FREE quote comparison tool!How to Find the Cheapest Cars to InsureIt’s not an exact science but more of an art. You can never be sure exactly what you can expect to pay for car insurance until you actually start talking to an insurer, but it’s possible to improve your odds of getting great auto insurance discounts and rates if you follow a few simple steps.

Here are some points to keep in mind for anybody who hopes to buy a car that won’t cost them an arm and a leg in auto insurance costs later on down the line.

Buy Used

Even for those who can afford a new car, it’s a good idea to buy used in order to get lower insurance rates. In most parts of the country a new car requires full coverage either for a set amount of time or until it is bought and paid for in full.

When it comes to used cars, you have a lot more options for saving money on insurance as you won’t be required by auto insurance laws to pay for full coverage.

Of course, you can still pay full coverage if you like. The other tips on this list should help you lower your insurance rates to the point that full coverage shouldn’t actually be prohibitively expensive. The idea is to get the lowest insurance rates possible through a combination of smart car shopping and smart insurance price comparing.

The More Safety Features the Better

Cheap Cars to InsureThe more safety features you have installed in your car the lower your rates are going to be when it comes time to insure the thing.

If you have the choice, it’s better to spend a few hundred extra right now on a car with anti-lock brakes.

You don’t want to end up spending hundreds more over time on insuring a car without all the standard safety features.

One or two safety features won’t make too major a difference in insurance prices, but when you add up several the difference can be tremendous. Full air bags, new tires, whatever it takes to get the car up to code, chances are it’s going to mean cheap auto insurance over the years.

Spend Some Money on an Advanced Driver Course

A little bit of money spent on an advanced driver’s course right now can save a ton of money spent on car insurance later.

If you’re noticing a recurring motif, it should be clear that spending a little extra right now, on your car, on your safety features, on education and training, can save you tremendous amounts of money in the long run.

Remember that car insurance is something that you’re stuck with, something you’re going to keep paying once a month for as long as you own a car, so whatever you can do to lighten the load, you should probably do it.

Compare Insurance Prices

Compare Car Insurance PricesSome insurance companies will sell you the exact same types of auto insurance as another company for three times what their competitors are selling it for.

You have to compare insurance prices and check auto insurance reviews no matter how safe your car is and no matter how safe of a driver you are.

If you could spend fifty, a hundred dollars less each month on insurance, you’d have to be crazy not to take advantage of the opportunity.

When shopping around, it’s a good idea to look for specialty insurers.

There are insurance companies that specialize in disabled drivers, in teen drivers, in new drivers, in elderly drivers and on and on.

These companies tend to have a lot of discounts specifically designed for a certain kind of driver.

Buy a Car That is Easily Maintained

It’s important to get a car that is easy to maintain and easy to repair if you want great prices on insurance. You can check what you could be paying for auto insurance today with our FREE quote comparison tool!

There aren’t any discounts for “easy to maintain” at most insurance companies, but keeping your car in top shape will help you save money over time by reducing incidents that could raise your rates.

A well maintained car is a safe car, and a safe car means lower insurance rates.

The bottom line is that you can’t simply shop for a car on window price alone.

If you buy a used car, the price on the windshield is only a fraction of what you’re going to pay for that car over the years, so keep things like insurance, fuel efficiency and repair costs in the back of your mind and add them to the sticker price before putting any money down on a new or used vehicle. Try our ZIP code search today to receive multiple FREE auto insurance quotes, and choose the best option for you!

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