Tips For Finding the Cheapest Auto Insurance Rates

Just about everyone is trying to save money any way possible; times are hard. The old adage is true again for many: "Make do or do without." Unfortunately many people have found out the hard way that you cannot do without adequate automobile insurance. Besides, it is usually a legal requirement in most states.
But, in tough times, one has no choice but to seek the cheapest auto insurance rates possible. You do this by getting multiple quotes and doing comparison shopping, just like you did when you bought your car, refrigerator and computer.
Luckily, we don't have to go door to door and suffer seemingly endless sales pitches from pushy insurance sales people anymore to get the quotes we need to do these comparisons. The internet gives you many options in seeking the cheapest auto insurance rates.
Besides comparison shopping, what factors can help you get a better quote on your car insurance? Consider the following options:
· Raising your deductible will usually lower your premiums. You just need to be very careful that you do have the funds on hand in the event of a claim.
· Carrying a liability only policy on older vehicles; you still need to be sure you are well-covered in the event you inflict damage or injury.
· Assigning vehicles to family members instead of covering everyone umbrella style to drive every vehicle. This is especially significant when young, beginning drivers are involved.
· If you have a younger driver, submitting documentation of exceptional grades is usually a good way to get some premium reduction.
· Choose the vehicle you purchase carefully, evaluating the rating for insurance coverage it has. Is it a thief-attracting vehicle or a temptation for speeding? Sports cars and powerful engines are not a good choice, most of the time.
As you well know, your driving record and the driving record of everyone on your policy is quite a contributing factor toward achieving the cheapest auto insurance rates.