Finding Cheap Auto Insurance? It’s Easy If You Do It Smart

​Every car owner needs to have auto insurance. Insurance will come in handy, especially after an accident. However, auto insurance should not drain you of your money. Knowing what you need and what affects your insurance rates can help you get good coverage and save money. Here are some ways to help  you find cheap auto insurance rates on the market.

• Shop Around Different Insurance Carriers
  Auto insurance rates differ by hundreds of dollars every year. The first thing any car owner should do is compare insurance rates from different carriers. Asking family and friends for opinions can help narrow down your choices. You can also get an expert opinion and consult an independent agent for what’s best for you.
  
  
• Request for Discounts
  Auto insurance companies usually offer a wide array of discounts. These will be based on the equipment installed in your vehicle and your loyalty as a customer. You should also request every deal that applies to you before choosing what is best for your needs. It is recommended you consult your agent to review, which would help you save the most.
  
  
• Decide on Coverage
  There are two types of coverage in auto insurance. The collision coverage would pay for damages on your vehicle if you got in an accident with another car. On the other hand, comprehensive coverage covers non-collision damages or losses, such as vandalism, theft, and natural disasters. You can either opt to buy both as a package or drop one to save on money.
  
  
• Maintain a Clean Driving Record
  Safe drivers get some of the best auto insurance rates in the market. Insurers typically cover your driving records from the past seven to 10 years. Although companies have different safe driving criteria, the standard is not causing an accident and not getting a ticket. A speeding ticket may stay on your record for five years, but a DUI may remain for ten years.

Conclusion
It won’t be a surprise if auto insurance rates continue to rise in the future. However, you do not have to break the bank to have your car insured. Be thorough in your search, taking into account both national and local insurance companies. Compare rates and discounts before you purchase the insurance that works best.

At Insurance Marketplace, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (541) 779-0177. Get your free quote today by CLICKING HERE.