urchasing car insurance does not have to be as confusing as it seems. For here are a few steps to get the best car insurance. First, when shopping around, you want to go ahead and call about 3 or 4 different places and go ahead and shop for the best rate. Make sure you get adequate coverage, that protects you in the event of an accident to minimize your out-of-pocket expense. If you’re purchasing full coverage, make sure that you’re comfortable with the deductible that you’re purchasing. Keep in mind that the lower the deductible, the higher your monthly payment is.
Lastly, you also want to go ahead and make sure that the carrier that you’re being placed with. Is a legitimate and has a good standing with the Department of Insurance. This information is public record and can easily be found on the Internet. So to recap, make sure that you got adequate coverage for your policy, you’re comfortable with the deductible that you’re purchasing if you’re getting full coverage, and the carrier is placed with it has reputable standing with The Insurance Company.
How Much is Car Insurance per Month?
Now, we’re gonna talk about what’s the average cost of car insurance. You know, that’s a really tricky question because it could be all over the board and it’s most affected by a few factors.
1. Where do you live?
If you live in the city versus life in a rural part of the state or of the country that’s going to make a big difference. Because obviously, if you’re in the city, you have more cars around you and the chances of becoming involved in an accident are greater. So that’s going to deeply affect the average car the cost of your insurance.
2. How far you drive to work?
Somebody driving one mile does not have the same amount of exposure to risk and get an accident as somebody who’s driving 19 miles a day to work. They’re gonna have a greater risk, so their insurance cost is going to be higher.
3. The value of the vehicle
If you have a 1990 Datsun pickup truck or if you have a 2015 Buick or a Mercedes, there’s a big difference. You’re gonna pay a lot more for that vehicle because of the value of the vehicle.
4. Driving history
This the other thing that makes a huge difference in your rate. If you have no accidents, no tickets, and squeaky clean for 3 years, you’re gonna be paying way less auto insurance than somebody who has maybe picked up 2 or 3 tickets. Because the statistics show those actuaries and the ones with the green visors. If you pick up a couple speeding tickets you’re 65% more likely to be involved in an accident.
So that has a huge part in your auto insurance. So really to say, what’s the average cost of insurance it’s almost impossible to do. it’s much easier on a state-by-state basis or even on a regional basis. But, the factors that will most impact your auto insurance rates individually which is probably most important for you is, where you live, you know from the state to whether your city or rural, what your driving record is, and what kind of vehicle you have. But there was some trick if you want to reduce the cost of your car insurance.
Read my related article “Simple Tips How to Get Cheap Car Insurance“