There are needs and there are wants. You can do without wants but not without needs. Having car insurance when you drive a vehicle falls under needs. Aside from being mandated by several states, having car insurance also eases the burden of paying more than what you are supposed to be when your car is damaged or when you get in an accident riding your vehicle. Car insurance may be a need but it does not mean that you would just buy the most costly plan and do not seek for affordable auto insurance. Affordable auto insurance does not necessarily mean that you would be getting the cheapest plan offered by an insurance company, it means that you are getting the best deal there is for the plan you are signing up for.
There are several ways in getting affordable auto insurance. The two main things that matter are your record and the statistics for your area. Your record would include your credit rating-how good you are with payments, and your driving record-if you are in high risk of getting your vehicle damage and asking for claims from the insurance company. Statistics cover a lot of things, one significant factor for example is the make and model of your car and how it relates to the crime involving cars for your area, if the make and model of your car is one of the most targeted vehicles for vandalism and theft, the chances of getting affordable auto insurance for that car decreases.
If you are determined to get affordable auto insurance and you have had traffic violations in the past including incidents where you were driving while having the more than allowed amount or alcohol in your system, it is a good thing to change and be clean. Insurer's want to know how safe and reliable you are behind the wheel, the more you get into accidents, the more claims you would be making which is why those with a not so perfect driving record gets charged with high rates and rarely is eligible for affordable auto insurance policies.
When living in an area where crime is prevalent, especially those relating to car vandalism or auto theft, having car alarms, gear-shift lock, antilock breaks and other safety equipment is a sign of good faith to the insurance companies. Having these equipment can help you get an affordable auto insurance policy with the discounts offered. If you have not bought a vehicle yet, you can check with the statistics for your state regarding the make and model of vehicles that are high risk, those that have high crash records as well as targets of thefts. Having a vehicle which is low risk would increase your chances of being able to get a more affordable auto insurance policy.
In looking for affordable auto insurance, research and patience are two things you need to have. There are a lot of insurance companies, both local and online which are claiming to have the most affordable auto insurance policy and the best coverage and it is easy to be tempted to sign up once you hear their sales pitches. It is not good to jump the gun and sign up for any policy that takes your fancy though. You would be spending a lot of money for the months you would be with an insurance company so before doing anything drastic, research first including complaint statistics and quotes and be sure to compare. It may be a long process that would take much of your time but it would all be worth it.
Article Source: http://EzineArticles.com/?expert=Mark_Jo_Williams
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