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Lesser Known Car Insurance Options

by Guest Poster

Let’s face it, you gotta have car insurance. At that, it’s a good idea to have really good coverage that’ll take care of you when, and if, you need it-look at cheap auto insurance quotes from Car-Insurance.

With all the different insurance companies out there today, it can be quite easy for an auto insurance consumer to suffer information overload. When you’re considering your car insurance options, it’s important to keep in mind what is important to you concerning your level of coverage. Formulate a game plan regarding what features you think would make up a good policy. Be mindful of the small things that can make all the difference in the world if you need to use your insurance.

Make sure to look into breakdown insurance if you have a car that is a little bit older. Some insurance companies will actually pay for the repairs your vehicle needs. Most will pay for towing. This type of insurance can be helpful because it will cover things that the warranty on your car, if you have one, won’t. In addition, you can pick and choose a policy that’ll cover the repairs at the garage of your choice. Say for instance you purchased a Ford Explorer that has high miles. Now say that the Explorer breaks down on the side of the road on your way to work. With good insurance that has free towing, you won’t have to worry about paying several hundreds of dollars for the tow in addition to being late for work. The drawback about this type of insurance (especially ones that cover repairs) is that it can be a little pricy. However, paying a little extra to your insurance company once a month beats shelling out thousands to your local mechanic or hundreds to the tow truck company. For those only interested in towing coverage, AAA is, needless to say, your best option.

Also, keep in mind that the make, model and year of your car will play a big part in the price you pay for your car insurance. If your car is new, has a big engine and is known for being stolen, then odds are you’ll have a higher insurance premium than a car that is a few years old with a smaller engine and no one steals.

A point to remember when shopping for a new vehicle. Even if you are getting a great deal on that brand new 400hp Ford Mustang, it may not be worth it. Especially if you have a less than stellar driving record. The cost to insure this type of car can easily, and quickly, offset the savings you see while at the dealership. Of course, you can save a good chunk of change and save yourself heartache if you get insurance quotes for different types of vehicles before you make a purchase. Personally, I’d like to know exactly what I am getting into financially before the fact.

If you’re a driver that hasn’t been in any accidents or hasn’t gotten any tickets, work with an insurance company that’ll recognize this fact. It’s true that some companies will give you a lower rate if you have proven that you won’t be a major liability. Being considered a low risk is something that’ll make you appealing to the auto insurance companies and give you the upper hand. You can pick the company that will give you the best deal based on the fact that you’re easy to work with and rarely, if ever, cost the insurance company money.

On the other hand, if you drive a souped up Honda Civic or Dodge Neon and have gotten a few tickets and have gotten into a few accidents you’ll be seen as a higher risk to the insurance companies. Because of your past record and history, you can expect to pay hundreds of more a month for the same policy that a low risk driver is getting.

There are many variables that go into getting the car insurance policy that is best for you. Consider exactly what you are looking for and don’t be afraid to ask about it. Also, if you have some things going for you, like a clean driving record or a whole family of drivers you want to sign up, be sure to mention it. The last thing you would want to do is overpay for your policy. As you know, in the world today every penny counts. Enjoy the process of shopping around for quotes and make sure to get the best deal out there.

The above was written by Edward Pacheco. Edward is an auto enthusiast who shares his knowledge about new cars, auto insurance, and pricing at Automotive.com.

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{ 4 comments… read them below or add one }

linda November 27, 2012 at 3:26 AM

this post is just wonderful….it has provided me a lot about insurance for my old car….thanks….do post more on this topic

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Click For More October 10, 2014 at 4:25 PM

Extremely fast service, all the way in Allen. The driver/operator was polite and answered all my questions intelligently.

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