Sunday, March 15, 2009

Searching for the Best Car Insurance

By Cynthia Ramona

When you get a new car, you are tired of your own insurance or if you are a brand new driver it's probably time to buy some car insurance. You really need car insurance if you are going to be on the road.

If you have no insurance even just a small fender bender could cost you a bundle. If you were to get in an accident with another vehicle and it's your fault, you'll have to pay for the damage of both vehicles out of pocket. Insurance is a way of car protection.

Of course, this doesn't mean no matter how many accidents you get in and how much it costs, it won't cost you a penny. For every accident that is your fault, your insurance rates will go up. They go up because your insurer looks at you as a greater liability. You just got in this accident so you are more likely to get into another.

Once you realize you need insurance, don't go and buy from the first commercial you see or the lowest price. What kind of coverage will you need to get? If you have an old beat up car, you'll need less than if you had a brand new expensive car.

Don't buy the from the first insurance company you see. Shop around first. Get free rate quotes through the link below. The rates you find will depend on your car as I mentioned but also your age and gender, driving record, and credit history.

Over time your rates will get lower if you don't cause any accidents. From the start though, those who are younger, especially teenagers, and males usually get higher rates because based on history they are less experienced, more reckless, and more likely to get into an accident.

You can save even more money on car insurance when companies offer discounts for safe driving. Also, senior citizens and students can get discounts or you can get discounts from taking a defensive driving course.

Don't necessarily shoot for the cheapest insurance. It's better to go with better coverage. If you end up in an accident and you aren't covered well, you'll still end up paying more in the long run. Work with your insurance provider to get the best possible policy.

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