The personal status of your friend could also play a factor. Is he/she under 25 years of age or older? Are you male or female? Is he/she married?

As random as these may seem, they play a large role in paying a low price to insure a vehicle. Young drivers will always pay a high price for insurance, because they typically file more claims than older drivers. Around the age of 25 years is when the insurance companies start to lighten up on pricing. And, it is true that males will pay more for their insurance than females. Males, especially younger males, statistically are involved in more reckless behavior than their female peers. Finally, married drivers pay less for insurance than single people do. They’re more cautious with or without their spouse in the vehicle as they drive.

What is your friend’s driving record like?

It is possible that he/she has been given a lower rate as a reward due to good driving. Even receiving just one traffic violation ticket will cause a driver’s insurance rate to go up, and causing an accident will cause an even higher rate. Perhaps his/her record has fewer errors than your record. How many tickets and accidents have you had in the past three years? A spotless (or close to it) driving history indicates to the insurer the driver is a safe one and has a low risk of ever needing to file a claim. The insurer will give this safe driver a cheaper insurance rate.

Scenario: Your friend just told that she is finally getting her auto insurance at a cheap rate, but doesn’t tell you how much she’s paying.

This friend has not come clean with everything she has put into finding this cheap rate, and there are many possible explanations as to why. The first aspect to focus on is, did she compare her new found rate with what other companies offer? If not, there is a good chance she is not getting the lowest rate possible. Completing a thorough comparison of local companies will ensure you are not missing out on cheaper auto insurance. Using our comparison tool, you can compare at least four local companies’ prices to each other.

All drivers want cheap car insurance. After all, who wants to pay more for a product that is being sold cheaper somewhere else? While it certainly would be optimal to call one insurer and expect them to offer the least expensive rates, it is unlikely for such a random occurrence. Not every company is dedicated to giving out low rates, and so the great search begins. When looking to buy really cheap auto insurance, all consumers should know there isn’t one flat out cheapest insurer out there. Breaking down all the ways a driver can attain inexpensive rates makes sense and shows just how any driver can get cheap rates.

Honda is adding 4.5 million more vehicles to its Takata airbag recall, but none of them are in North America. The company found the problem after analyzing additional inflators from vehicles not previously covered.

The best way to find local car insurance companies who are willing to provide you with their services is by using our quote comparison system that is quick and easy to do. After giving us your local zip code and filling out some information about yourself, we can then give you an accurate listing of quotes that local insurers are willing to give you. As long as your answers are truthful, the quotes you get are what you could be paying to have your vehicle insured. We do not charge any fees for this service, and we don’t force you to purchase anything. When a choice has been made, you do have the option of purchasing the policy for the quote price directly on the site, and in some cases you will be permitted to print off a proof of insurance card for your record.

We know the aggravation one can feel as they make an attempt to find legit car insurance for a great price, and we have made an effort to help consumers find an easier way to locate great companies. Take advantage of our site’s resources as you find your new policy.

If you are looking for the cheapest car insurance company, you should know how your rates are determined. In general, the insurance company takes all of the information they have about you and decide on your level of risk. This risk level indicates the likelihood of you filing a claim with the company due to damages that are in need of repair.

How can the insurer decide how often you will file a claim?

* One, they look at your past driving record. Are you involved in accidents regularly, say, once a year or more often?

* Do you have multiple accidents and tickets on your record? When it comes to accidents and tickets, insurers prefer to see few to none on someone’s driving record. It helps them feel that you are a safe driver who exercises caution when driving and uses good judgment, which will lead to lower rates.

* If your record isn’t spotless, work on cleaning it up. Pay attention to your surroundings while you drive and eliminate all distractions. Turn down the radio (or turn it off), put your cell phone in the back where you can’t reach it if it rings, and keep both hands on the wheel at all times. Know the speed limit of the streets you drive and don’t be aggressive while on the road.

There are many things you can do to help avoid getting in accidents and keeping your record free of points to help keep your rates low.

The insurer will look at the type of car you are driving.

* Is it an expensive car? If it is, you’ll be paying more for insurance because it would cost the insurance company more to repair or replace it if needed.

* Also, any car that is deemed a “sports car” or otherwise driven at fast speeds will also be charged more.

* Contrary to popular belief, the color of your car does not have an affect on your premium charges.

Information about you will dictate how much you pay.

* Your age,

* Gender,

*Place of residence

* Marital status affect your rates, no matter which provider you choose.

This information places you in statistical categories that also show the likelihood of your involvement in a crash, much like your driving record. While there’s not much a person can do about their age or gender to change their rates, drivers can focus and concentrate on the things they can improve to help save them money, such as the type of car or their current driving habits.

Quality insurance is definitely a must when you make your selection. No one wants to find themselves in a situation where their insurance no longer exists or is unable to pay for the claims made after an accident has occurred. On the same note, drivers need to make sure they have the coverage they thought they purchased. All fine print should be read to ensure there is no misunderstanding on the terms given by the insurer.

Popular and top companies are usually pretty straightforward about their terms and don’t try to lead people in the wrong direction with what they provide. It’s okay to be leery though when a deal seems too good to be true. That’s almost always a sign that something isn’t completely right in the situation.

Everyone wants to know the answer to the infamous question of what company provides the cheapest insurance. The answer is probably not as exciting as everyone would want it to be; there is no one cheap insurer. Most insurance agencies offer a wide range of rates, and the best drivers will get the cheapest rates as a “reward” for driving safely and not filing claims. You can find out who offers the best rates according to your driving record and other information by conducting a search and comparing all of the estimated rates you’re given.