Are you tired of paying out the nose to buy car insurance? You are no different than millions of other drivers. Big companies like GEICO, Farmers Insurance and State Farm promote their brand names with advertising and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.
If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Buying car insurance is not that difficult. But consumers must know how companies market insurance on the web and apply this information to your search.
Low cost car insurance prices
Many insurance companies such as Allstate and Progressive allow you to get insurance quotes directly from their websites. Getting quotes is easy for anyone because it’s just a matter of typing in the coverages you want into the form. After you submit the form the quote system sends out for your driving and credit reports and quotes a price based on the information you submitted. Being able to quote online simplifies rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to get the lowest car insurance rates.
An easier way to find better car insurance pricing uses just one form to obtain quotes from a lot of companies. It saves time, eliminates repetitive work, and makes online quotes a lot less work. As soon as you send your information, it gets priced and you can choose your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you’ll know if lower rates are available.
To get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. This guarantees you will have an apples-to-apples comparison for similar coverage.
Car insurance ads are enticing
Car insurance providers like Allstate and Progressive endlessly run ads on television and other media. They all seem to say the same thing that drivers can save some big amount if you move your car insurance coverage to their company. How does every company save you money? This is the way they can do it.
Different companies quote their cheapest rates for the type of insured they prefer to insure. For instance, this type of risk profile might have to be between the ages of 30 and 50, has other policies, and insures a new vehicle. Any customer who fits those characteristics will qualify for the lowest premium rates and most likely will save if they switch.
People who do not meet these criteria may be required to pay higher rates which usually ends up with the prospect going elsewhere. The trick is to say “people who switch” not “everyone who quotes” save that much money. That is how companies can truthfully make claims that they all have the best prices. Because every company is different, drivers should get a wide range of price quotes. Because you never know which company will have the lowest premium rates for your situation.
Find Cheap Car Insurance with These Tips
Many different elements are part of the calculation when quoting car insurance. Some of the criteria are obvious like your driving record, although others are more obscure such as your marital status or how safe your car is.
- Higher prices for specific employers – Occupational choices like real estate brokers, architects and emergency personnel generally have higher rates than average attributed to intense work requirements and lots of time spent away from family. Other occupations such as actors, athletes and the unemployed have the lowest average rates on Aerostar coverage.
- Alarm systems save money – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
- What are good liability coverage limits? – The liability coverage on your policy will provide protection in the event that you are responsible for physical damage or personal injury to other. Liability provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
- Your address can push rates up or down – Choosing to live in areas with lower population has it’s advantages when trying to find low car insurance rates. Lower population translates into fewer accidents in addition to lower liability claims Residents of big cities have congested traffic and a longer drive to work. More time commuting means more chances of being involved in an auto accident.
- With age comes lower rates – Older people are more cautious drivers, cost insurance companies less in claims , and are generally more financially stable.Inexperience drivers are statistically shown to be less responsible when driving therefore car insurance rates are much higher.
- Performance impacts rates – The performance of the car, truck or SUV you own makes a big difference in your rates. The most favorable rates are for small economy passenger models, but the final cost of insurance is determined by many other factors. Since the Ford Aerostar is classified as a van and minivan, insuring your vehicle will cost similar in price than the average rate where you live.
- Safer vehicles cost less to insure – Cars with five star safety ratings cost less to insure. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and cheaper rates on your policy. If your Ford Aerostar is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Car insurance discounts help lower rates
Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked about before you get the savings.
- Cautious Driver Discount – Drivers without accidents can save as much as half off their rates on Aerostar coverage than less cautious drivers.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more off the personal injury premium cost.
- Waiver for an Accident – but companies like State Farm and GEICO will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
- Own a Home – Being a homeowner may trigger a policy discount on car insurance because owning a home means you have a higher level of financial diligence.
- Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Policy Bundle Discount – When you combine your home and auto insurance with the same company you may earn at least 10 to 15 percent or more.
- Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiring. Ten percent is about the average savings.
A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your policy premiums.
If you would like to choose from a list of providers with discount car insurance rates, click here to view.
Which is the best car insurance?
When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation will benefit from professional help.
- Does my medical payments coverage pay my health insurance deductible?
- Should I sign the liability waiver when renting a car?
- How much underlying liability do I need for an umbrella policy?
- Does my car insurance cover rental cars?
- Why is insurance for a teen driver so high?
- Does coverage extend to a rental car in a foreign country?
- When should my teen driver be added to my policy?
- Is a new car covered when I drive it off the dealer lot?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What can I do if my company denied a claim?
If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Leave no stone unturned
When you , you should never buy poor coverage just to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.
In this article, we covered some good ideas how you can lower your Ford Aerostar insurance rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest priced car insurance comes from an unexpected company. Smaller companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
Budget-friendly car insurance can be bought both online and from local insurance agents, so you need to with both in order to have the best chance of saving money. Some insurance companies may not offer internet price quotes and many times these smaller companies only sell coverage through independent agencies.
