How to Find the Most Affordable Car Insurance in Your Area

Depending on where you live, car insurance can vary quite a lot. If you’re looking to buy a new car and want to save money on those high quotes you’ve received — or if you just want to save money on the vehicle you already own — this article could be for you. We’re going to look at a few different factors that influence car insurance costs, and how to get the lowest quote possible for you and the most affordable car insurance.

How to Find the Most Affordable Car Insurance in Your Area 2

Use online comparison sites



It used to be difficult to compare lots of different insurance costs — nowadays it isn’t. Actually, insurance companies used to rely on there not being that much information available and people giving up their search reasonably early. Now you can enter your info onto one of these comparison sites and get hundreds of quotes within a few seconds, at the click of a button.

It’s never been easier to find multiple competitive quotes quickly and easily. Not only is it easier for you, but insurance companies have also had to become more competitive in order to stand out, reducing costs. Just remember — not all insurance companies are on these sites. While they’re a good place to start, you might still want to do some of your own research.

Look for specialist insurers

If you’ve got a particular type of vehicle that most companies want to avoid, if you’re a particular type of driver or someone who works in a specific industry, you might want to look for specialist insurers who are used to catering for you.

Make sure you’re a safe driver

The more claims and incidents you’ve had, the higher your insurance is going to be. If you want lower insurance costs, you’ll need to be a safe driver. You could also consider a recording device that monitors how safe you are to help reduce insurance costs.

Keep your car secure

Insurers like to know where your car is being stored overnight, and they’ll offer reduced rates if it’s being kept somewhere private, especially in a garage. Alternatively, if your vehicle is being kept in a public car park, you might expect to pay more.

Consider buying a cheaper car

More expensive cars are obviously more expensive to insure. Not only are they more expensive to repair but they also might be more attractive to car thieves. While lower-power models are normally cheaper to insure, you can consider something like DPL Motors ECU tuning to improve the performance of your existing car.

Decide what level of coverage you want

While you probably think you want full coverage, it might not be necessary if you’ve got a cheap car. Have a look at how much you can save with limited coverage and see if it’s the right choice for you.

Use your vehicle less

If you have to use your car every day, your insurers will probably ask for more.

Keep your car in a low-crime area

While it might not be possible to move where you live, you should be aware that safer neighborhoods lead to lower insurance costs from your provider.