Low price car insurance quotes are not going to come floating down from the sky in a "welcome parachute" landing on your front doorstep. You have to find them the smart way because regardless of what your Uncle Fred or anyone else tells you, affordable insurance quotes are not hidden behind rocks in the desert, but are easily found using your computer and your fingers, if you get my drift.
The online pages are full of insurance wannabes who go looking for an auto policy before they know the available options and what their particular state mandatory insurance requirements are; think DMV! Ergo, you might want to consider this fact if the vehicle you are the owner of or plan to become the owner of is at least 10 years old or older. And in case you missed the memo we'll mention once again that you may not need full auto insurance on that car, truck or SUV. That said why not cancel/drop everything but liability coverage which all states require regardless of age. Your auto insurance policy will not only be low priced, but you'll save enough time and those green pieces of paper with the pictures of dead presidents on the front to buy your next car. And yes it is true that comprehensive and collision are the two most expensive items on your coverage that will quickly disappear, so stop wasting time and money.
Investigating your state DMV requirements you'll find that buying only the minimal insurance coverage will be required; however this could be a lousy move if any damages exceed the owner's policy limits. So when thinking cheap insurance is a good thing, make sure you weigh the pros and cons and the risks involved in both. Also if you have decided to do some auto insurance quotes checking online keep in mind that it's not always a good idea to pick online insurance companies based on price alone. It's true not all companies are alike nor offer the same protection. Here's where family, friends, and yes, even Uncle Fred can come in handy with some sage advice about company reputation and other stuff.
In your attempt to secure some insurance quotes, dealing with some insurance companies may have you reaching for the smelling salts. However there are some things you can do to help cut the costs of your insurance policy. These are also some of the questions your agent will ask, so knowing where the "minefields" are located will give you a "leg up."
#1 Where do you park your car at night time? A garage or driveway close to your residence helps.
#2 Who will be driving your car? Just you is another plus.
#3 Security alarms and other fancy gadgets is a good thing in your favor.
#4 Low mileages (under 12,000 per year) will get you 4 stars.
#5 If you can pay the one year premium in full you'll lower your cost exponentially.
Finding good car insurance comes with knowledge, perseverance, and persistence. It doesn't float down in a fully lighted "banner parachute.