Auto insurance is something nobody wants to pay but it is necessary and must be done. It might seem like an unnecessary expense at first – until your car is damaged in some way and then it’s essential that you get that claim paid to you. At this point, it’s the deductible that you don’t want to pay. Regardless of what kind of vehicle you have, you’re going to – at the very least – get cheap car insurance that covers the basics and meets the requirements for your state.

Take advantage of online tools that allow you to compare more than one quote at a time so that you can see the similarities sand differences between multiple insurance companies. If you have house insurance and your provider also offers auto insurance, see if you can get a discount if you bundle it all together.

In addition to the model and make of the vehicle, your driving history, age, and credit score, here are some other factors that affect the rates you’ll get when you want to get cheap car insurance:

• Zip code – some areas are simply going to have higher-than-normal accidents and car loss due to heavier road conditions and traffic and/or high crime rates.

• Number of miles – The amount of mileage you put on your vehicle each month can impact the insurance rates.

• Age and marital status. Young, unmarried males usually have to pay the most.

• Past claims history – Those with a history of filing claims in the past will be more likely to pay more when they switch companies or renew a current policy.

Where to Get Cheap Car Insurance Even With High Risk

Each company has its own rule as to what constitutes as “high risk”. If you’ve been involved in an accident or have other negative items on your driving record, the variance in premium differs from company to company. As long as you are diligent and look for discounts and ways to save, you should be able to find a policy and rate you can live with.

You might want to consider skipping out on comprehensive coverage if you have an older vehicle since the money you pay for the insurance might cost you way more than what the old “clunker” is worth anyway. However, it’s probably a good idea to have some type of coverage to pay for the cost of your medical bills if you become injured.

Right now, you can get cheap car insurance deals and fair quotes at esurance. There are thousands of esurance reviews and most of them are positive. It’s definitely a good company to start with.

By Bethann

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