It’s easier to get cheap auto insurance if you buy the right car. Let’s discuss a few things to look for…

1. You’ll pay less if you car has a higher safety rating. Does your car have built-in safety features? You’ll be eligible for a Safe Vehicle discount if your car has such features. Examples of these safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can give you a list of features that will get you a discount with your insurance provider.

2.There are vehicles that cost a lot more to give adequate auto insurance coverage. It will do you a world of good if you discuss with your agent before choosing your next vehicle. Two factors that will force you to pay more are a car’s crash rating and theft rate.

Also, cars that typically cost more to repair also cost more to insure. With such diligence you can avoid buying a vehicle that will make you pay much more in extra premiums over a few years.

3. There are many anti-theft or theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. They usually get you an anti-theft discount for the simple reason that they make it less likely that you car will be stolen. Cars without such devices are easy targets for thieving rats.

4. If you have collision and/or comprehensive for an old car which is not a classic, then you’re paying much more than you should. The reason for this is that insurers base your compensation on what is called the Kelly Blue Book value at any given point in time. So even if you’ve paid your premiums faithfully for years but the Kelly Blue Book value says your car is worth nothing, you’ll get nothing from your insurer and they’ll be totally covered by the law.

So do yourself a favor and remove this coverage types from your policy for all old cars. If you do this you’ll pay a lot less.

5. You will save much if you only have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from several quotes sites. The lowest quote should be your choice easily.

However, you have to look beyond just the cheapest quote to the best price to value ratio. The cheapest may not offer the best price/value for you as an individual.

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