Who has the cheapest insurance

Cheapest Car Insurance

Cheapest Car Insurance

When shopping for a car insurance policy, one of the main questions in your mind is, who has the cheapest insurance?’ While if you check the statistics online big companies may make the top names on the list, it in no way means that they would provide the lowest rates for your insurance needs. There are many factors that determine your car insurance price. These include things like the driver’s age, his driving experience, past driving record, past car insurance claims, gender of the driver, his profession, his age, the make and model of the car, the year the car was manufactured, and so on. Thus, it is important to shop around online or otherwise for auto insurance in order to zero in on the best deal possible.



Knowing the factors that affect you car insurance price can help you find cheap insurance policy. For example, if you are someone who works from home, you can probably highlight that aspect to get a good rate. This is because these individuals drive less and do not have hectic life schedules. On the other hand, professionals who need to be on the road for their job usually pay high premiums. Even people who have retired pay low premiums, as they do not need to commute to work everyday and end up driving less. Make sure you enquire whether you are eligible for a premium discounts. Keep in mind that even though some companies might not lower their rates for particular factors, others do. So again, shop around and compare quotes and companies to make your final decision.


Often times, companies provide special discounts on car insurance renewals. If you are happy with the cover and services provided by your existing insurer, there may be no real need to change to another company. Let your insurance company know that you are thinking of other companies and want the best deal. In such cases, a company that values their customers will promptly offer a discount on the policy or premium rate. You may also qualify for a discount if you have recently moved closer to your workplace or into a safer neighborhood.


Figuring out who has the cheapest car insurance can be easy, if you use insurance comparison websites. While these may get you the cheapest insurance, getting further discounts is up to you. Another good tip to get an added discount is to take a defensive driver’s course. The successful completion of this course gets you a certificate of defensive driving, which can substantially reduce your premiums. You could also install various safety gadgets in your car for discounts. Just make sure that they are pre-approved by the insurers you are considering.