Best Ways to Get Cheapest Automobile Insurance

Do you have a car? yes, then definitely, you need to buy insurance. But confused right? I know you have many questions in mind like

How to buy automobile insurance?
Which company provide cheap and best automobile insurance?
And many more !!!

Here am providing few effective ways on how to get the cheapest and best automobile insurance.

Hundreds of car insurance companies including large player and regional player are vying for your business. Many companies are providing an eye-catching offer on the insurance policy.

1) Online comparison
Different insurance companies provide different rates.To compare all own its difficult. Its better to used different online insurance comparison website and choose the best and cheap plane.
Our study shows that more than 38% of American who own car insurance haven’t compared insurance cost in at least three years, if ever.

2) Don’t ignore local insurer
Just 4 major companies Allstate, Geico, Progressive And State Farm cover a major part of car insurance in the USA. There are so many regional smaller insurance companies Auto-owner insurance and Erie insurance also have a higher customer satisfaction rating than the big companies and they may have lower rate also.

3)Bundle all policies
You will get more cheap rate if you are married or homeowner and you can save more if you buy home insurance and car insurance from the same company. According to the study, you will get a total discount of more than 8%. If you insure more than one car you will get more discount around 10 to 25% saving off your collision, comprehensive, and liability premiums.

3) Verify all discount which you qualify
Companies provide a variety of discount for a customer who:
1) Good student discount
2) Does your car installed with anti-theft or safety feature
3) Having a clean driving record
4) Pay entire annual or 6-month premium once

4) Buy a car which is equipped with the latest technology:
Companies give an extra discount if your car is equipped with the latest technology like anti-lock breaking system, side airbags, automatic safety belts and latest anti-collision technology ask the agent if any discount available on this technology.

5) Avoid accidents
Auto insurance companies check all your driving history. if your driving history is poor then it can easily disqualify your cheapest auto insurance chance. Speeding tickets, accidents, drunk driving all create a negative impact on driving history.

Below is the table of different State car insurance :

State Average rate Compared to national average of $1,355 Rank, most expensive to least
Michigan $2,484 $1,129 1
Louisiana $2,190 $835 2
Florida $1,823 $477 3
Connecticut $1,771 $416 4
New York $1,759 $404 5
Kentucky $1,752 $397 6
Nevada $1,746 $391 7
DC $1,723 $368 8
Rhode Island $1,688 $333 9
Delaware $1,646 $291 10
Oklahoma $1,643 $288 11
Pennsylvania $1,522 $167 12
California $1,518 $163 13
Wyoming $1,494 $139 14
Hawaii $1,458 $103 15
Colorado $1,404 $49 16
Maryland $1,390 $35 17
West Virginia $1,375 $20 18
Arkansas $1,370 $15 19
Arizona $1,356 $1 20
Wisconsin $1,351 -$4 21
New Jersey $1,346 -$9 22
Georgia $1,340 -$15 23
Mississippi $1,323 -$32 24
North Dakota $1,315 -$40 25
Texas $1,300 -$55 26
Alabama $1,299 -$56 27
Oregon $1,264 -$91 28
South Carolina $1,260 -$95 29
New Mexico $1,253 -$102 30
Kansas $1,242 -$113 31
Montana $1,224 -$131 32
Tennessee $1,214 -$141 33
Utah $1,199 -$156 34
Washington $1,191 -$164 35
Massachusetts $1,191 -$164 36
Minnesota $1,187 -$168 37
Missouri $1,154 -$201 38
Nebraska $1,113 -$242 39
Alaska $1,109 -$246 40
New Hampshire $1,101 -$345 41
South Dakota $1,059 -$296 42
Iowa $1,015 -$340 43
Illinois $1,004 -$351 44
Virginia $972 -$383 45
Indiana $964 -$391 46
Vermont $963 -$392 47
North Carolina $960 -$395 48
Ohio $952 -$403 49
Idaho $941 -$414 50
Maine $925 -$430 51
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