When you get your first car you are more than likely still in your parent’s home. You do not shop for the cheapest car insurance at that time. You simply accept the car insurance quote that your parent’s company offers to you and you pay it, or more than likely your parents paid it.
When you leave your parents home and you become responsible for paying for your car insurance then you start to hunt for the cheapest car insurance. You call everywhere trying to get car insurance quotes, and many times you are frustrated by the car insurance company policies that you might not understand.
Some car insurance companies will not sell car insurance to people who are under age unless the person has a guardian that currently has a policy with the company. Do not let this disturb you. The car insurance companies that work in this fashion are trying to protect their financial investment, and children, or young adults who are living on their own are not as financially dependable as those young adults who live with their parents.
Car insurance quotes cover varying amounts of coverage. Talk to the agent to determine the exact amount, and type of insurance you need. You never want to buy more insurance than you need because that would make you pay a higher premium, but you never want to buy less insurance coverage than you need. If you do not have enough coverage and you are in an accident the insurance might not pay to replace or repair your vehicle.
The color of the car you drive may influence the price of the insurance you buy. A red car costs more to insure than a white car of the same year, make, and model, even if the same person were to be driving the car. It has been said that police officers notice red cars more often than cars of other colors, and red cars are more likely to be pulled over and ticketed.
The sportier cars and trucks cost more to insure. If the name of your car has the word sport behind it the insurance will cost more than the same type of car that is not considered a sport.
Two door cars are usually considered to be sportier and they will cost more to insure. Sedans and four door cars are considered to be safer, and they are considered to be family cars.
Online insurance is cheaper than the insurance from your local agents. You should shop for insurance yearly. Do not assume that the company you were using last year is supplying you with the best rate and coverage this year. Always get a few quotes from different car insurance companies each year to see if you are getting the best coverage, for the best price.
Your driving record affects the amount you pay for insurance. Each ticket will increase the amount you pay to be insured, so drive carefully.