Which is the best and cheapest car insurance?

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Most drivers fully understand the importance of having adequate car insurance – it’s a legal requirement, as well as a sensible precaution. However, most of us don’t pay any more attention to it than we need to; as a result many drivers don’t have cheap insurance and pay too much for their premium. The internet has made the process of comparing insurance rates and policies easy and some time spent shopping around can potentially allow you to enjoy lower rates.

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The amount and type of coverage you take out can have a big difference on the total amount of your car insurance policy. Especially important is the deductible amount – the amount of money a driver is responsible for, before the insurance company pays up, in the event of an accident. With a higher deductible, the cost of your monthly payments will be lower.

Insurance companies offer various discounts, although they aren’t always keen to volunteer that information and it always pays to ask. Start with your current car insurance company; if you haven’t made any claims for a while and have a safe driving record, it’s worth asking to see it you can get some cheaper auto insurance, especially if you haven’t made such a request for some time.

Most auto insurance companies have other discounts they are able to offer; these can include membership in certain professional organizations, anti-theft and safety features in your car and a discount for low mileage. Many retired drivers are pleasantly surprised to find that they benefit from cheaper car insurance, simply because they aren’t driving as much.

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It can be difficult to find insurance for teenage drivers – teens of course don’t have a record of safe driving and are considered ‘high risk’ by the car insurance companies – hence the high premium. However, there are certain things that you can do to find cheap auto insurance – enrolling your teenager in a safe driving class and adding them on to your existing policy can both help to lower costs. Even ensuring that they maintain good grades can make a difference – many car companies consider a student with a grade ‘B’ average to be lower risk.