There are several well-known ways to get and keep low cost car insurance. First, we shop around for reputable insurance companies that are going to offer us the best rates. We look for companies that will give us multifamily and multipolicy discounts. Sometimes we look for companies that offer insurance to groups or organizations with which we are affiliated. Second, we try to keep our cruising to a minimum because insurance companies are more likely to give you lower cost insurance if you drive less than if you drive a lot. Plus, more driving means more risk of citations or accidents, which brings us to the third way in which we get and keep low cost car insurance. We drive carefully, because we all know that traffic citations and accidents lead to higher insurance costs.

However, there are several other more lesser known ways to get and keep low cost car insurance. Buying a low profile car, i.e., one that is less likely to be burglarized, vandalized, and/or stolen, and living in an area that is not considered a high crime area are two of those ways. An insurance company is more likely to give you low cost car insurance if they know your car is not at a great risk for being burglarized, vandalized, and/or stolen. If buying a new car and/or moving are not options for you just to get low cost car insurance, consider adding some safety features to your car, such as alarms, air bags, automatic seatbelts, etc.

Try not to use your car for business purposes. For example, if you moonlight as a pizza delivery man, you will most likely be using your own car, and your insurance company is more likely to charge higher insurance costs.

Low cost car insurance isn’t difficult to get or keep as long as you are aware of both the well-known, and the lesser known, factors for low cost car insurance.

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Elizabeth Newberry