Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 9, 2020

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Key takeaways...

  • Before you choose a policy that is super cheap, it is your responsibility to investigate further and make sure that you are not getting taken advantage of
  • Age, gender, driving history and credit score all affect your auto insurance rate
  • Researching the companies you are deciding among will help you avoid many of the possible scams out there
  • Compare different quotes to make sure you get the best rate for the coverage you need

Finding super car insurance rates is the goal of many discerning drivers. Paying less for your car insurance allows you to spend more money on other things.

There are a couple of things you should keep in mind when looking to find super rates. One is to understand what insurance companies use to rate your insurance policy.

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Another thing to be aware of when it comes to seemingly very cheap insurance rates is that sometimes they are super cheap for a reason.

Before you choose a policy that is super cheap, it is your responsibility to investigate further and make sure that you are not getting taken advantage of.

You may be throwing a lot of money away and might find yourself in big financial trouble if you ever have a claim to file.

How Car Insurance Rates Are Determined

Knowing what goes into a car insurance rate is one of the first things of which you should be aware. Insurance companies use a complicated system to determine what each individual will pay.

There are many factors, some of which are in your control and some that are not.

The Insurance Information Institute lists the factors that make up your rate. Because there are so many, you may pay a completely different amount than someone your same age with the same car.

Your driving record is a big part of the equation. If you have a clear record and have years of driving experience, you will pay lower rates than someone who has had several accidents or serious violations.

You will not find super rates with a scarred driving record.

Where you keep your car and how much you use it will affect how much you pay. They type of car you drive will also have an effect.

Different variables include safety features, the cost to repair it, cost of the vehicle, and what its chances are of being stolen. To see how your car rates with thieves, check out the National Insurance Crime Bureau’s website.

Your gender will have an effect on your insurance rates. Without looking at other individual factors, females are safer drivers than males and pay less for car insurance. Age plays a big factor. Teen drivers pay the most, while people who are middle-aged pay the least.

One of the aspects in regards to your rate is your credit score. Insurance underwriters relate credit card use to driving responsibly. The better your score, the lower your insurance rates will be.

Finally, the coverage choices you add to your policy will affect your rates. This includes not only the types of coverage but also the amounts of your liability limits and your deductibles.

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How to Find Super Policies for Car Insurance

The Internet has made finding super car insurance coverage a snap. It is not only convenient, but it is also easy and fast.

The best way to find cheap policies when you have no idea which car insurance company you want to use is to use a third-party website.

These sites allow you to get several quotes from multiple insurance providers. This lets you compare quotes easily so that you can quickly pick out the one that is the most affordable.

If you have a few companies in mind that you want to compare rates with, you can also use the Internet to do so.

The majority of companies, especially the bigger well-known ones, have websites that are full service. One of the benefits that is offered is the ability to get a free quote online.

Once you have visited a few of the sites you can then sit down and compare the rate quotes and other information.

You can also call different insurance companies and ask to get a quote over the phone or meet with an agent in person.

If you have questions about insurance in general or if you have questions regarding your specific situation, it is probably a better idea to speak with someone rather than just getting an online quote.

Avoid Scams

There are many affordable auto insurance rates that are available from trustworthy companies. Unfortunately, however, there are some so-called companies that are trying to pull a fast one on you.

Insurance scams occur, not only on the consumer side, but also on the provider side.

The Coalition Against Insurance Fraud gives you advice on how to avoid bogus insurers and crooked agents. There are a number of scams of which you should be aware.

One such scam is the stealing of your paid premiums. This would be performed by an agent of a legitimate insurance company.

The agent takes the money that you pay for your premiums and, instead of giving it to the company, he or she uses it for their own benefit. This scam can be avoided by always paying your premium directly to the insurance company.

You may be scammed by being sold coverage that you don’t need or didn’t ask for. This can be avoided by being educated about insurance and what you really need.

Always look over your own policy and read all of the fine print because, ultimately, you are responsible for what coverage you have.

Make sure nothing is on there that you didn’t request.

Another scam deals with a phony policy. An insurance company may not be legitimate and has phony agents selling policies that really don’t exist.

If you needed a claim covered, you would find out that you had no coverage for not only that claim but for any other claims as well. Worse, you would then be responsible to pay for any associated damage.

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Ensure the Company Is Legitimate

Researching the companies you are deciding among will help you avoid many of the possible scams out there. You should never choose a car insurance provider based on a cheap rate alone.

It may be tempting, especially if you are on a budget, but the end consequences could be disastrous. It is worth taking a little extra time to conduct some research on the companies and making sure they are worthy of your money.

One source you should feel comfortable using is your state insurance department. This department has a lot of information about the numerous car insurance companies.

You can find out if the company is registered and licensed to sell auto insurance in your state. If not, you need to move on and find one that does.

Your state department can also let you know if there are any complaints that have been made against any of the companies. You can get a pretty good idea of the kind of company you are looking at if you ask the right questions.

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Research Financial Stability

A car insurance company may be able to offer you super low rates right now, but if it isn’t financially strong enough to last, then you are probably wasting your hard-earned money on a policy.

One way to avoid this is to do some research into the company’s financials.

There are a number of companies that rate insurance providers in regards to their financial strength. Standard and Poors is one such company, as is A.M. Best.

You can look up how each insurance company rates in regards to its current financial standing, as well as how it is projected to be in the future.

A company that rates with an A- or higher and has a stable or positive outlook is usually a good one to choose.

If you find a company that offers really cheap rates and has a poor rating such as a C, you would be taking a gamble by buying a policy from it. If it ended up declaring bankruptcy or didn’t have enough assets to pay for claims, then you would be out of luck.

How to Lower Your Rates

Although certain car insurance providers are able to offer lower rates than others, there are things that you can do to lower the rate of your individual policy.

Taking advantage of available discounts is one way to save some money. Although many times your agent will factor in discounts when you get a rate quote, it is still worth asking about any for which you may be eligible.

If you are a teenage driver, finding super rates for car insurance will be nearly impossible.

Because you are the highest risk drivers on the road, according to the Centers for Disease Control, you will automatically have higher rates until you are in your mid-20s.

If you get good grades, ask about a discount for good students, which will help you save a little money.

Being a safe driver will help you get lower rates on your policy. This means that you need to avoid being the cause of an accident and not get any traffic tickets.

If you have been a less-than-stellar driver in the past, most infractions will disappear from your record in three years.

Driving a safe car will garner you some discounts on your policy. So will insuring multiple cars or policies under the same company. Other ways to save money include improving your credit score and driving fewer miles.

It is possible to find super rates but not always easy. You would need to be a very safe driver of a certain age. Even if the rates that you find are not super, you can do what you can to lower them as much as possible.

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