Even though there are many different automated insurance quote sites, you will still need to do some work to get the best quotes possible. In particular, you will need to think about how you can optimize certain aspects of your personal profile. Unfortunately, this will be as much a matter of timing as well as awareness of each aspect of an insurance quote.
As may be expected, you will need to consider your driving record. For the most part, if you got a traffic ticket, or have points on your license, it will be to your advantage to take a defensive driving cost. In many cases, you will find that you will more than make your money back within one year.
If you are in the market for a new car, you may want to get some idea of the appraised value of each vehicle, as well as any safety features that will help you save money. As an example, you may want to purchase a car with ABS brakes, as well as power seat belts. Without a question, studying crash test statistics will also help give you some ideas about how much a potential insurance company will assess the cost of replacing or repairing your vehicle.
Next, you will need to consider your credit report. While it may not seem fair, many insurance companies will charge higher premiums based on your credit rating. At the same time, companies that do not consider your credit may still charge higher rates. As may be expected, repairing your credit before you ask for an insurance quote may result in some savings. After you have completed the credit repair process, you may also want to ask your current insurance carrier to requote your policy.
Finally, you will want to consider your marital status. In general, married people pay less per individual. Therefore, if you are planning to get married, you may want to do so before you start shopping for another insurance carrier. Together with this, many insurance carriers consider the age of each driver. If you are a teen driver, or an elderly person, it may be of some help to see if you can be added to another family member's policy.
Chances are, if you look at your travel expenses, you will find that auto insurance costs almost as much as your car loan. At the same time, trying to find cheaper insurance will depend on a number of factors that are not always easy to control. That said, when all else fails, you may simply decide that it is best to not own a car. In today's economy, it is certainly a much wiser move than continually getting into debt and spending money on things you simply cannot afford.