Enter your ZIP code:

Curbing Auto Insurance Prices

Everyone wants the best auto insurance prices with the best coverage. Finding the policy you need at a price you can afford can be tricky, but it is possible.

The best way to find exactly what you need is to compare coverage, policies and quotes. But other factors influence your premiums, too. Let's examine these issues in more detail.

Tickets

Traffic tickets for aggressive driving, speeding, failure to yield or unsafe lane changes can really jack up your auto rates. Insurance companies charge higher rates to drivers with tickets because they are statistically a higher risk. So practice defensive driving and avoid getting tickets to help keep your auto insurance costs as low as possible.

If you do get a ticket, however, keep track of when the offense happened, and ask your auto insurer to re-quote your policy when the ticket is removed from your record. The amount of time this takes will depend on what state you live in.

Accidents

Your accident rate also helps determine the price you pay for car insurance. A first accident may or may not heighten your rates, but it is best, of course, to avoid accidents altogether whenever possible.

Overall accident trends can also make a difference. More accidents generally mean more insurance claims, raising your likelihood of higher prices.

More than one in four auto accidents in 2003 resulted in bodily injury (BI) claims, according to a recent study by the Insurance Research Council (IRC). However, auto accident rates and their severity have decreased overall in recent years, due to auto safety campaigns and the manufacture of safer cars.

If you live in a state where fault factors into the equation and you are at fault in an accident, your insurance company must not only pay for the injured party's medical treatment and other accident-related expenses, but also for the pain, suffering and emotional distress the victim incurs as a result of the accident. These types of settlements can cause insurance claims to skyrocket, raising rates in turn.

Your chances of having an accident increase the more accidents you are involved in. Therefore, your accident record can greatly influence what you pay for auto insurance.

Safety

Safety features such as built-in child safety seats, anti-lock brakes, traction control and airbags greatly reduce the number injured in accidents each year, according to the Insurance Information Institute (III). And car insurers often give significant discounts for these safety features, bringing auto insurance prices down.

The overall safety or "crashworthiness" of your vehicle also comes into play here. Your premiums can vary greatly, based partly on the type of vehicle you drive and your car's safety rating as measured against other cars on the road. Therefore, buying or leasing a car with a high safety rating should also be an important consideration.

Seat belt enforcement programs also help lower the price of car insurance. Statistics show the more drivers buckle up, the safer they are from injury…and safer drivers mean fewer claims.

Theft

Installing and using anti-theft devices may also result in price discounts. In fact, these devices may actually lower rates up to 35 percent with apparatuses such as car alarms and vehicle tracking devices.

We are all susceptible to car theft, but some cars are more popular with thieves than others. The higher the risk of theft associated with your car, the higher your premiums are likely to be. Take this fact into consideration and find out your car's risk of theft and the cost of insurance before you buy that new car.

Affordable Auto Insurance

You can keep auto insurance prices at bay and get the coverage and protection you and your family need. Just do your best to keep tickets, accidents and thefts to a minimum, drive safely—and let InsureMe do the rest with up to five competing auto insurance price quotes.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17567
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17887
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16830
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17206
81 How to Get Discount Auto Insurance youcomparequotes 17647
80 Insurance for Van Lovers youcomparequotes 17310
79 Car Insurance That Fits Your Needs youcomparequotes 17047
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17232
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18076
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17053
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19273
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17632
73 Auto Insurance from InsureMe youcomparequotes 17551
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17905
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18300
70 Buying and Insuring a New Car youcomparequotes 16681
69 Compare Auto Insurance Rates youcomparequotes 17024
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16526
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16625
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17104
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17233
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16476
63 How to Reduce Car Insurance Prices youcomparequotes 17082
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17310
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16567
60 Auto Insurance Cost & Your Ride youcomparequotes 17106
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16895
58 How to Get the Cheapest Car Insurance youcomparequotes 16799
57 Selecting a Car Insurance Company youcomparequotes 17506
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17113
55 Get the Best Car Insurance Rates Around youcomparequotes 17354
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16365
53 Child Safety Belts Keep Kids Safe youcomparequotes 17056
52 Speeding and Car Insurance Rates youcomparequotes 16754
51 Not At Fault Car Insurance & Accidents youcomparequotes 16896
50 State Auto Insurance Becoming Available youcomparequotes 17173
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17628
48 Car Insurance & Roommates or Family Members youcomparequotes 17210
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16905
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16809
45 SUVs: Minor Collision, Major Damage youcomparequotes 17353
44 Severe Weather Driving Tips youcomparequotes 17077
43 Avoiding Aggressive Drivers youcomparequotes 17969
42 Safety Tips & Car Insurance for Teens youcomparequotes 17056
41 Insurance for Cars: It's Your Choice youcomparequotes 17014
40 Car Insurance Quotes Save You Money youcomparequotes 17075
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17929
38 Safety Features Save Lives & Money youcomparequotes 16816
» Curbing Auto Insurance Prices youcomparequotes 16373
36 Teen Auto Insurance youcomparequotes 16648
35 Car Insurance: Your Questions Answered youcomparequotes 16576
34 How to Buy Car Insurance youcomparequotes 17342
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16619
32 Truck Insurance for Your Pride & Joy youcomparequotes 16407
31 How Insuring a Used Car Can Save You Money youcomparequotes 17234
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17109
29 Credit Scores & Car Insurance youcomparequotes 17742
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16265
27 Reducing SUV Insurance Rates youcomparequotes 16794
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17312
25 How to File an Auto Insurance Claim youcomparequotes 16949
24 Avoiding Deer Collisions While Driving youcomparequotes 17420
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16741
22 Auto Insurance Basics That Save youcomparequotes 17173
21 It's Official - Men Are Terrible Drivers youcomparequotes 18662
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17424
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16947
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17198
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 16954
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17322
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16773
14 Your Options in Motorcycle Insurance youcomparequotes 16784
13 The Advantages of RV Insurance youcomparequotes 17160
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34668
11 Insuring Your Teen Driver youcomparequotes 16934
10 The SR22 & Car Insurance youcomparequotes 16430
9 Auto Insurance & Generic Parts youcomparequotes 17136
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18260
7 Drowsy Drivers, Wake Up! youcomparequotes 16419
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17795
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17225
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21293
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16743
2 Auto Insurance Quotes youcomparequotes 17203
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17340
XE Login