Top Ways to Get Cheap Car Insurance

In US states car insurances are mandatory and almost every citizen who has acquired the age of having a driver's license has insurance coverage. Insurance policies come in varied premiums, rates or quotes, but everyone can not afford to get the best car insurance coverage for themselves and their family. They settle down with some cheap car insurance policy.

Insurance policies are, nowadays, easily available on internet. All on has to do is connect to the internet and visit the websites offering such car insurances. The websites can even provide you with the company names available in a particular state. A person can evaluate and compare the rates of car insurance policies offered by different companies and then decide to choose the insurance policy that suit his needs best.

The rates are getting cheaper by a considerable amount with the increase of car insurance companies. According to the latest survey, in 2006, North Dakota had the cheapest rates across the country. The rate of this state was followed by Iowa and South Dakota. In April 2009, the states including Wisconsin and Iowa recorded the lowest rates. The survey concludes that people residing in Middle America get lower rates as compared to those residing in the other parts of the country, especially the Upper Midwest area. However, the highest insurance rates were recorded in New Jersey and Louisiana, followed by New York and Florida.

With the easy availability of the insurance policies all over the country, people are more prone to fall into traps. They need to remember cheap items are seldom good ones. Therefore, instead of going for these plans a person must go for those plans which are affordable for him. To get cheap car insurance for his already existing car one must follow the following steps:

1. Theft devices like window sketching often get a person additional discounts. Most of the new cars have theft devices which are either automatic and can be started at the touch of a button.

2. Sometimes multiple car insurance can offer a huge discount. Therefore, if a person has two cars then he can get both of them insured at the same time. This way he can get the second car insured at a very less price.

3. Going for a yearly policy instead of a half yearly policy gives you a quote which remains constant throughout the year. Therefore, it is advisable to stick to the yearly policies.

4. In those cases when a person wants to store his car for a specific period of time, he can get comprehensive storage coverage and save on the liability coverage cost as it is unlikely that the car will meet with a collision during that storage time.

5. It is a good idea to re-check the mileage of a car in order to get it.

6. Another way to get cheap car insurance is by getting a group discount for a car and purchasing lower Liability, Collision, Comprehensive, or Medical Payments Coverage.

7. The car owner can also make EFT payments as many car insurance companies charge $5.00 or more for mail payments.

Follow these top ways to get cheap car insurance and save a lot.


A good credit rating automatically gives cheap car insurance. The insurance company has a lower risk in doing business with you when your credit rating is high and so will quote lower rates for you. For more information please visit our web site http://www.usinsuranceonline.com/auto-insurance/articles/cheap-car-insurance.php