Dirt Cheap Auto Insurance Quotes Must Be Found
Who may be eligible for dirt cheap auto insurance? There’s a set of criteria that, if met, should grant you cheap auto insurance rates. This set consists of the following: cheap state, older age, perfect driving record, cheap/safe car, and a few others. Let’s take a look at each in detail.
- State: Some states are cheaper than others when it comes to vehicle insurance, and drivers in these states pay less “by default”. Here are the cheapest states by car insurance (starting from the cheapest one): Iowa, Hawaii, Maine, Idaho, and Arkansas. Here are the costliest states by car insurance (starting from the costliest one): New Jersey, New York, Rhode Island, Delaware, and Maryland. So, the first criterion for dirt cheap car insurance is to live in one of the cheapest states for car insurance.
- Age: The younger you are, the more you will pay for automobile insurance, and vice versa. Teens pay the most; senior citizens pay the least. So, the second criterion for bargain vehicle insurance is to be of an older age.
- Driving Record: Everyone’s driving record is different. Some people have a couple of tickets, others – a few tickets and accidents, and others – numerous tickets, accidents, and a DUI. Those with pristine driving records pay the least for car insurance. The other factor is the number of years you’ve had a driving record – the longer the better. So, the third criterion for cheap vehicle insurance is having a “mature” and pristine-clean driving record.
- Car: Cars that are unsafe and/or very expensive are usually very expensive to insure, and vice versa – safe and inexpensive cars are cheap to insure. It’s great if your make/model is also rarely stolen. So, the fourth criterion for low-cost car insurance is driving a safe, low-cost, and rarely stolen car model/make.
- Car Use/Mileage: The three common types of car use are: to commute to work, for pleasure, and for both. Those who use their cars only for pleasure pay the least, since their mileage is less and they don’t drive in peak hours too often. So, the fifth criterion for cheap automobile insurance is using your car only for pleasure and having low annual mileage.
- Garaging: Some people garage their autos in locked garages, others – in secured parking lots, and others – on the street. Also, one may park in a safer or less safe neighborhood. The safer your car is parked, the less you will pay for insurance. So, the sixth criterion for inexpensive auto insurance is parking your vehicle the safest possible way.
- Claim History: Those with many car insurance claims pay more, while those with fewer claims pay less. So, the seventh criterion for dirt cheap vehicle insurance is having a claim-free record.
- Gender: Females typically pay less than males. This is one of the factors that can’t be altered, but it does pay a big role. So, the eighth criterion for cheap vehicle insurance is being a female driver.
- Marital Status: Married people pay less than those who are single. So, the ninth criterion for very affordable car insurance is being married.
- Group Membership: People who belong to certain organizations (military personnel, state employees, educators, etc.) pay less. So, our tenth and last criterion for dirt cheap automobile insurance is belonging to a certain group of drivers.
