Car Insurance Prices
No one has limitless income—and no one wants to pay expensive car insurance prices for the protection they need on the road.
That’s why since 1993, InsureMe has been providing consumers with competing car insurance prices. Thousands of insurers across the nation have joined our network, putting the final choice in your hands.
Let us find the car insurance quotes you need. Submit your information today!
Reducing Car Insurance Prices
Everyone wants the best car insurance prices with the best coverage. Finding the policy you need at a price you can afford can be tricky, but it is possible.
The best way to find exactly what you need is to compare coverage, policies and quotes. But other factors influence your car insurance prices, too. Let’s examine these issues in more detail.
Tickets
Traffic tickets for aggressive driving, speeding, failure to yield or unsafe lane changes can really jack up your car insurance prices. Insurance companies charge higher rates to drivers with tickets because they are statistically a higher risk. So practice defensive driving and avoid getting tickets to help keep your car insurance prices as low as possible.
If you do get a ticket, keep track of when the offense happened and ask your auto insurer to re-quote your policy when the ticket is removed from your record. The amount of time this takes will depend on what state you live in.
Accidents
Your accident rate also helps determine car insurance prices. A first accident may or may not heighten your rates, but it is best, of course, to avoid accidents altogether whenever possible.
Overall accident trends can also make a difference in your car insurance prices. More accidents generally mean more insurance claims, raising your likelihood of higher car insurance prices.
More than one in four auto accidents in 2003 resulted in bodily injury (BI) claims, according to a recent study by the Insurance Research Council (IRC). However, auto accident rates and their severity have decreased overall in recent years, due to auto safety campaigns and the manufacture of safer cars.
If you live in a state where fault factors into the equation and you are at fault in an accident, your insurance company must not only pay for the injured party’s medical treatment and other accident-related expenses, but also for the pain, suffering and emotional distress the victim incurs as a result of the accident. These types of settlements can cause insurance claims to skyrocket, raising car insurance prices in turn.
Your chances of having another accident increase exponentially as your accidents mount. Therefore, your accident record can greatly influence your car insurance prices.
Safety
Safety features such as built-in child safety seats, anti-lock brakes, traction control and airbags greatly reduce the number injured in accidents each year, according to the Insurance Information Institute (III). And car insurers often give significant discounts for these safety features, bringing car insurance prices down.
The overall safety or “crashworthiness” of your vehicle also comes into play here. Your car insurance prices can vary greatly, based partly on the type of vehicle you drive and your car’s safety rating as measured against other cars on the road. Therefore, buying or leasing a car with a high safety rating should also be an important consideration when examining yearly car insurance prices.
Seat belt enforcement programs also support lower car insurance prices. Statistics show the more drivers buckle up, the safer they are from injury…and safer drivers mean fewer claims and lower car insurance prices.
Theft
Installing and using anti-theft devices may also result in car insurance price discounts. In fact, your car insurance prices may actually lower up to 35 percent with apparatuses such as car alarms and vehicle tracking devices.
We are all susceptible to car theft, but some cars are more popular with thieves than others. The higher the risk of theft associated with your car, the higher your car insurance prices are likely to be. Take this fact into consideration and find out your car’s risk of theft, as well as how it affects your car insurance prices, before you buy that new car.
Affordable Car Insurance
You can keep car insurance prices at bay and get the coverage and protection you and your family need. Just do your best to keep tickets, accidents and thefts to a minimum, drive safely—and let InsureMe do the rest with up to five competing car insurance price quotes.
InsureMe makes finding affordable car insurance easy. Fill out our free quote form and get on your way to low car insurance prices today!
