What does it take to get an affordable car insurance quote?

Getting affordable auto insurance coverage doesn’t have to be difficult. People can do several things to get an affordable car insurance quote online. Start by being a good driver. Take some defensive driving classes, and ask if you qualify for some insurance discounts. Below are several more strategies to find affordable auto insurance quotes. Get quotes now with our free quote comparison tool above!

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Nov 5, 2020

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Obtaining an affordable car insurance quote doesn’t have to be difficult. People can do several things to ensure that car insurance companies know they are a good risk. They might need to see if they can qualify for some discounts. Find what you could be paying today with our FREE quote comparison tool!

Or they may need to make sure that they know what is in their credit reports. By combining several of the following strategies for obtaining low car insurance rates, drivers have the best chances of receiving an affordable car insurance quote. Try our FREE ZIP code search today!

Be a Good Driver

The best thing anyone can do to receive an affordable car insurance quote is be a good driver. When people apply for car insurance, their driving records will be reviewed. Several things will cause a car insurance company to quote a very high rate, such as:

  • DUI convictions/arrests
  • Several tickets for moving violations
  • Driving without car insurance
  • License suspensions
  • Registration suspensions
  • At-fault accidents

When a car insurance company obtains an applicant’s driving record and finds that none of the infractions listed above are on the person’s driving record, this is a person who receives the most affordable quotes. Some companies reward these drivers with 45 percent off of their rates.

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Check the Credit Report First

One way that car insurance companies determine who is a good risk is by checking their credit reports. The most responsible drivers are those who have always paid their bills on time and, therefore, have excellent credit ratings. This would be another way to obtain an affordable car insurance quote.

If after obtaining their credit reports people discover that their credit scores are not as high as would entitle them to an affordable car insurance quote, they can make sure that they only apply with companies that will not ask to do a credit check. By doing this, they cannot be penalized for low credit scores.

Take Defensive Driving Courses

Defensive driving courses entitle people to an affordable car insurance quote and it’s a great option for those who are age 55 or older who are beginning to see rate increases with their current insurance companies.

These courses are highly convenient because people can take them online and they receive affordable car insurance quotes even though they are entering the older demographic.

Defensive driving courses also work for those who have points on their driving records for the reasons listed above.

After drivers with tickets on their records have completed the approved courses, they can receive a more affordable car insurance quote than the one they have been paying up until now.

Ask for a Retirement Discount

Those who are 65 and older must make sure to mention that they are retired. Car insurance companies offer affordable car insurance quotes to those who are retired because they are not driving as often as they used to when they were working.

They are less of a risk because they are on the roads less and car insurance companies reward them for this.

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Decrease the Chances of Needing to File a Claim

Car insurance companies like to insure those who are not likely to file a claim because paying these claims costs them a lot of money. Those who can demonstrate that they have taken measures to prevent the times when they would have to file claims receive affordable car insurance quotes.

Examples are:

  • Installing burglar alarms
  • Installing a GPS system
  • Purchasing a vehicle with several airbags
  • Anti-lock brakes

Purchase Other Types of Insurance

People receive an affordable car insurance quote after they decide to purchase more than one type of insurance with an insurance company.

By bundling life insurance and car insurance, homeowner’s insurance and car insurance or all three, people receive a discount of around 10 percent with some companies.

Refrain from Purchasing Rental Car Coverage

Rental car coverage adds an extra expense to the policy and it may not even be needed. For example, collision coverage and comprehensive coverage apply toward the policy holders’ vehicles but it may also apply toward a vehicle the policy holder is renting.

Asking for a quote without rental car coverage will help people receive an affordable car insurance quote.

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Get Married

For young males, an affordable car insurance quote comes after they get married. Car insurance companies set rates partly based on how responsible the applicants have shown themselves to be over the years.

Young males under age 25 do not have much time proving that they have lived exemplary lives, so they are at a disadvantage.

Another reason young males have difficulties finding affordable car insurance is because they belong to a demographic that constantly proves it is highly irresponsible behind the wheel. These are the drivers who are very likely to need to file a claim because they caused an accident or were injured in a car crash.

Statistically, those who are married lead more responsible lives and this applies to males under 25 if they happen to be married. After the marriage, some insurance companies will lower these clients’ car insurance quotes by as much as 40 percent.

Be a Good Student

Young drivers can show that they are responsible by being very good students. The good student discount applies for high school students as well as those in college.

Qualifying for this discount requires that students:

  • Have a grade point average of 3.0 or greater
  • Are named on the dean’s list or honor roll
  • Can obtain a letter from the school principle

By proving to be a good student, as much as 20 percent can be taken off of the car insurance quote.

Have a Car with Passive Restraints

A passive restraint, automatic seat belts, for example, is an excellent way of receiving an affordable car insurance quote, especially for young drivers. The youngest drivers, males in particular, are the most willing to drive their vehicles without wearing seat belts. This leads to very serious injuries.

Passive restraints take the choice out of these drivers’ hands and forces them to wear their seat belts. If there are any injuries, they will be less severe and the car insurance company will be forced to pay less for their medical bills.

Since the risk is lower for the car insurance company, the car insurance quote can be lowered by as much as 20 percent.

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Start Seeking Affordable Car Insurance Quotes

Affordable car insurance rates can always be found when comparing quotes, such as can be done on this website. What happens when people enter their zip codes is they will receive a list of car insurance companies and the prices that these companies will charge them for their policies. All of this is FREE!

The advantage of receiving several quotes is the possibility of finding a very low quote for their coverage. If people follow the advice in this article, they are going to be able to lower their rates even further. The process can begin and end right now in a couple of minutes after entering the ZIP code! Try it now!

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