March 14th, 2010 
John Bellafonte There are so many factors that affect auto insurance quotes that it can seem more than overwhelming trying to figure out how to get the best rate. There is no secret to getting cheap auto insurance quotes and there is no single cheapest company. Instead, getting the best deal on auto insurance comes down to a whole host of different factors, some of which the consumer can control, and some of which the consumer cannot control.
Each company will have their own method of figuring out what the policy price is going to be for the insured driver. The underwriters will usually look at many different areas before they can settle on a rate. Whatever you do, don’t think that because a high rate is received by one company that it will be the same for another company. They each have their own methods and rates can vary from company to company.
First, it is important to understand that law almost universally requires car insurance. However, it is not a federal law. This means that each state will have a different set of criteria for what it takes to be legal. Which of course means that each state’s laws will have a different affect on how underwriters establish premiums and coverage groups.
Some states have average premiums that are much lower than other states. It is obviously not very practical to move to another state for cheaper car insurance, but understanding these facts can be helpful in understanding your specific premiums. Likewise, the part of the state a customer lives in will greatly affect his or her insurance quotes. Rates are typically highest downtown, because cities have the highest congestion of vehicles and therefore the highest concentration of accidents.
Nonstandard market insurance may be something to look into if the state that you are residing in offers this type of coverage. This is fairly new and may not even be offered in all states or countries yet, but it is definitely something to insure. Because standard market insurance makes up all drivers, these rates will be lower because the drivers are actually excluded from the “standard market” and may be able to get a better overall rate.
A credit rating is something else that will affect the overall policy price. While it technically has nothing to do with driving, insurance companies look at this as a measure of responsibility of the driver. A low credit rating can significantly increase the base premium.
Training teenage drivers is another great way to save for the same reasons. Insurance companies view teens that have taken a driving class as more responsible and therefore at a lower risk. This is less of a factor in states where all new drivers are required to take a safe driving course.
Obviously, there are some things a consumer can control and some things a consumer cannot. Car insurance falls into both of these categories. Finding the cheapest auto insurance quotes is a combination of circumstance and personal decisions. It is always best to try to shop around to see which company is offering the best deal.
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