Reader’s Question:

My mom bought me a second hand car, so I have something to use when I go to work. I am a service crew at a diner, and transportation is not that easy especially when you’re at the closing shift and you don’t own a car. My problem is that I don’t know if the pay that I get is enough to cover for the insurance of the car. I am a single mom and although I am still living with my parents, there are lots of expenses that I need to take care of. Can you give me some advice on how to find the cheapest car insurance? Can I just get minimum coverage, so that I won’t have to pay much?

Nina

Boise, ID

Yes, you can definitely get the minimum coverage for your car insurance. The Idaho Code 49-117 states that every car owner must show proof of having financial responsibility in the form of insurance. This insurance must maintain a minimum coverage amounting to $25,000 (for the injuries sustained by one person in a single incident), $50,000 (for the injuries sustained by two or more persons for a single accident), and $15,000 (for the damages brought upon another person’s property for a single accident). The car insurance must maintain but not be limited to the stated minimum coverage. Failure to keep this minimum required coverage could lead to payment of fines and even registration or drivers license suspension.

The coverage of your insurance really depends on what you think your needs or limitations are. So if you think that you’re fine with the minimum coverage, ask the insurance agent to give you a quote on this coverage. However, to find the cheapest car insurance, make sure that you’re careful when you drive, so that you wouldn’t go beyond the limit of your insurance coverage in case an accident happens.

Also, try to have a clean motor vehicle record (MVR) because each violation or citation has corresponding points which the insurance carrier considers when computing for your premium (or policy rate). An increase in your premium is the least that you’d want to happen, so make sure that you avoid anything that could lead to this.

If you want to find the cheapest car insurance fast, try checking the internet. Most insurance companies have their own websites, so getting a free quote from all of them wouldn’t be that hard anymore.

Reader’s Question:

Why do I need to visit or call local auto insurers to get the cheapest car insurance quote?

Arlen

Tulsa Oklahoma

Shopping for the cheapest car insurance quote means exploring all avenues and leaving no stones unturned. In other words, foregoing a visit or a call to insurance areas in your area could mean losing an opportunity to get the best deal. While it is easy for you to obtain the cheapest car insurance quote from the Internet because of their online calculators, these estimates are based on information you have entered on the forms. The online calculators follow a predetermined set of conditions in assigning values to the data. The agent who will process your online request will be limited in his judgment because of the scarcity of information.

Talking with a car insurance representative in person means giving him a clearer picture of the vehicle you are insuring. You can also make a good impression on the company by being there in person. Getting an insurance is a business transaction that could be affected by relationships. If you become good friends with the company, its representatives will be more inclined to provide you with the cheapest car insurance quote. These insurance agents can even give you advice on what you can do to lower your premiums. Personal relationships are impossible when you stick to online transactions.

Reader’s Question:

Hi, I am trying to purchase auto insurance for my car. This is my first time so could you please help me and tell me ways on how I should go over purchasing a policy.

Judy

Louisville, KY

There are many car insurance available in the market. If you are looking for the cheapest car insurance around there are a lot of options available for you. Here is a guide to help you find the cheapest car insurance available for you.

1. Start your search online. You could get an idea of how much insurance policies are since many insurance companies offer online quotes.

2. Check with Department of Insurances. Each state has a Department of Insurance. Make sure you check with them or at least visit their websites to check the listed registered insurance companies. This would help you eliminate the scams found on the Internet or on the market.

3. Compare quotes. As you find insurance policies that you like, ask for quotes. You could use these to compare the prices and see which one really offers the cheapest car insurance.

4. Review the coverage. It is important that you know what your insurance includes. Make sure you have all the essential protection you need.

5. Check reviews about the insurance company. It is always important to know some information about the auto insurance companies you are considering. Review forums dedicated to car insurances as you could get information from other people who have experienced using certain companies’ services.

Hopefully, these tips can help you find that cheap car insurance that is perfect for your needs.

Reader’s Question:

Help! I will get a new car in just a matter of days but I am in a budget for its insurance. How do I find cheapest car insurance possible for my new car?

Ron

Los Angeles, CA

There are various factors that can influence you having the cheapest car insurance. One of them is your credit history. If you have a good credit rating, then chances are you will be given discounts on your car insurance premiums. However if you have a low credit rating score, then expect your car insurance company to charge you highly.

Another factor that can affect your car insurance premium is your driving record. You won’t have a chance in getting cheap car insurance if you have a lot of traffic violations in the past. Automobile insurance companies will see you more as a high-risk driver than a low-risk one. So to find cheapest car insurance for your vehicle, make sure that you have a good driving record.

The type of insurance policy is also important. You cannot expect to find cheapest car insurance if you apply for a full comprehensive plan, since this is usually the most expensive. A comprehensive type covers your vehicle from almost all types of accidents such as fire, falling of tree branches, theft, and car accidents.

Reader’s Question:

I have a sports car and it seems that it will get high insurance rates from all automobile insurance company. Why is this so, and how can I get lower car insurance rates for it?

Froilan

Miami, FL

Traditionally, sports cars are rated highly by almost all vehicle insurance companies. This is because sports cars have bigger engine sizes and faster speeds, which means increased risks of being involved in road accidents. Because sports cars are more likely to get involved in road accidents, it is hard to find cheap insurance for these types of vehicles.

You can increase your chances of getting the cheapest vehicle insurance for your sports car by showing your good driving history. If you can show that you have a good track record as a defensive driver, then you can probably increase your chances of getting discounts from insurance companies.

Lower vehicle insurance for your sports car also requires that you shop around. You can check the Internet if you really want to get the cheapest vehicle insurance for your sports car. There are some insurance brokers that may offer lower rates for your insurance policy. Also, you might want to show a good credit rating to insurance companies so you can get the cheapest vehicle insurance policy for your car.

Reader’s Question:

How can I find the cheapest liability car insurance? I need to buy right now since but I do not have enough money to pay for expensive full coverage car insurance premiums.

Joey

Atlanta, GA

If you want to find the cheapest car insurance in the soonest possible time, then the Internet is your bet. There are thousands of websites offering cheap car insurance for you, and all you need is to input important data about you and the car you are driving.

Go to Google and type the words “cheap car insurance.” Within seconds, a listing of websites offering cheap car insurance will be flashed. Log on to one of them and scan their features. Typically these websites are easy to browse and understand. You just have to click on a link and you will be then forwarded to a page that allows you to fill up a form. Complete the form by entering your personal information, your driving history, and the model of your car. You will be then given a car insurance quote. Other websites also allow you to compare quotes from several insurance companies.

So find the cheapest car insurance for your vehicle now by logging on to the Internet where you can find a lot of insurance comparison websites.

Reader’s Question:

I’m a factory worker here in Michigan. No one knows for sure if our company will survive the recession, or we’ll be one of the many which are closing down. Times like these call for stringent belt-tightening. So, since not having one is not an option, can you at least advise me in finding the cheapest auto insurance?

Senedra

Dearborn, MI

Lucky you, you’ve still got a job! I agree that during hard times like this, a little savings can go a long way. There are several ways by which you could find the cheapest auto insurance that will work best for you. If you have the luxury of time, one option would be is to call or consult agents from different auto insurers. Just make sure that you give the same exact information, like the make and model of your car and what other coverages you’d like to be included.

The easiest way, of course, is to go online. First, try to look for auto insurance companies that operate in your state. Then, you could type in the information in their websites. Some companies will forward their quotes to you via e-mail, others will tell you their rates in just a few minutes. Still, there are auto insurance companies that will direct you to a customer service agent.

If you could find auto insurance broker websites, then that’s better. Some brokers represent multiple auto insurance companies. So, just by working with one will give you an idea how a number of companies will try to rate your car. Always be specific with the information you give them, and don’t hesitate to ask for promotions or discounts.

Reader’s Question:

Where can I find the cheapest auto insurance quote here in Arizona? I am planning to insure two of my brand-new cars.

Austin

Phoenix, Arizona

Finding the cheapest auto insurance quote could be tiring for some as it sometimes takes so much time, Austin. You have to stretch your patience to be able to find what you are looking for-as you said, the cheapest auto insurance quote. The searching process seems to be tedious, but it is surely rewarding as you could benefit from it as you could save money and at the same time be secured and safe. You have to check the factors affecting auto insurance quotes. This includes your credit history, safety driving history, your insurance coverage history, your household, your car, its model and previous coverage, and other information that you need to provide them.

The best place to look for the cheapest auto insurance quote is “online.” You can easily compare and review quotes given by different auto insurance companies in the comfort of your home. No need to travel and go to insurance offices. Make sure to give the right information that they asked or you miss a wonderful opportunity to get great discounts that you are eligible for if you do not fill in the information correctly. Being safe on the road is essential, and so getting the right auto insurance coverage is of great importance as you, your household and your belongings depend on it. So, you really have to review everything, analyze and compare before buying auto insurance.

You said that you plan to insure two of your cars. Most companies give higher discounts to people who insure two or more of their cars in them. Also, paying in full makes you eligible for auto insurance discounts. If you have enrolled and finished Defensive Driving Course or had installed security equipments in your cars, you get higher discounts. This only means you have more edge to get the cheapest auto insurance quote from most companies. The more discounts you get, the cheaper quote you get. Having that said, finding the cheapest one isn’t that troublesome after all. You just have to know what to look for.

Reader’s Question:

I want to buy a Nissan Altima from my friend. I want to insure it once our deal is closed. Could you please give me some tips on how could I get cheapest auto insurance online and what are the minimum requirements?

Debbie

Anaheim, CA

Nowadays, it is easy to shop for car insurance quote on the internet since a lot of insurance companies have websites. For you to get the cheapest auto insurance quotes, you have to look at a list of car insurance companies in your area.

But before you do that, you should first know that under California law, the minimum insurance liability coverage for vehicles is 15/30/5. That means the lowest coverage that you should purchase is $15,000 for bodily injury and death claims for a person, $30,000 for all persons injured, and $5,000 for the other party’s property damage claim if accident occurs. If you can afford, you could purchase or increase your coverage. The auto insurance quotes that will be given to you by the different agents of insurance companies will depend on the car make and model, information about yourself, your driving history, and things such as discounts that they could offer.

If you have good driving record, you surely will get a discount. The safety and security features of your car and the low mileage will also add up to more discounts. Always ask the car insurance agents the discounts that they offer and with a good deal you can lower the quote up to 25% discount. It is your wise decision which company to insure your car. Make sure that you get the cheapest car insurance quote with a good coverage for your car to be bought.

Reader’s Question:

I am wondering, is it safe to get the cheapest auto insurance available in town? I mean, if it’s too good to be true, there has to be some catch, right?

Jim

Pittsburg, PA

In the old days, you should think not twice but ten or maybe a 100 times if you encounter a very cheap quote with a promise of really good car insurance. Chances are by the time you make a car insurance claim, you will be surprised to find out that there is no such auto insurance broker registered.

But now, Jim, I really can’t say outright that if somebody offers you what you think is the cheapest car insurance quote, you’re getting a rotten deal because there are many car insurance companies now offering really cheap auto insurance. Especially those online guys, they really give it to you cheap and fast and really deliver good and reliable service when you need them. Well, at least, most of them do. It’s just the way competition works-consumers win.

So, what you do if you happen to come across an unbelievably cheap auto insurance quote is you make a call to the Pennsylvania Department of Insurance and verify if indeed that that auto insurance has a permit to operate a business in your state. Then you’ll be sure that the company giving you the cheapest car insurance quotes is really legit.