Tips For Affordable Car Insurance

By Ted Kripps

Affordable car insurance can mean different things to different people. It could mean just finding reasonable insurance for an average car, finding insurance of a valuable antique auto, or getting insurance for a car that your teenager will be driving. In each instance, there is affordable and there is outrageously expensive.

What you want for your money will have a large bearing on how much you pay and whether you consider it affordable. Leased cars demand higher levels of insurance, and if what they leasing car wants is more than you can afford, you don't really have many options unless you find a less expensive car to lease.

In many states you just don't have a lot of flexibility, period. You are forced into buying high limits even though you may not want them or see a need for them. Other times, it's the insurance company that only provides certain limits and the only way to find something more affordable is to change companies by finding one that offers policies with lower limits and lower premiums.

There are other factors that need to be taken into consideration as well, and they aren't all dependent on your insurance company or state regulatory boards. Frequently your rates will depend on your driving record and your credit history. If you have problems with either or both, you don't have a lot of choices. All insurance companies will add surcharges to whatever options you choose, even they are minimal.

Another factor is where you live. Downtown areas and high crime neighborhoods will have very high premiums. If you want something more affordable, you'll need to move. But don't go racing out to buy that little country cottage in the woods until you get a quote from your insurance carrier. Why? You may be charged a surcharge just to get back into the city each day to go to work. Many policies take into consideration your commuting distance, and when you are charged for this, it might not be worth the trouble of moving.

For many, paying monthly is more affordable than paying once or twice a year. With monthly payments you are usually charged additional administrative fees of about $5.00 or so each month, but many families find monthly payments are the only way they can have insurance paid on time.

Make certain you are getting all the credits and deductions you are eligible for. Call your insurer and double check that you have your discounts for the alarm, military service, multiple cars, etc. These discounts can make the policy much more affordable.

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