Trying hard to get a low cost car insurance is not an abnormal phenomenon. Many in the quest to reduce the car insurance either become unscrupulous or try to tweak the facts that actually can get them into big trouble later on. So here are some of the ways in which you can be more careful in deciding your insurance policy.

Get right kind of cover. Many of the car owners are not sure of the coverage or policies that they want to purchase. There are third party coverage, theft and fire coverage and also comprehensive coverage that give you cover for almost everything. But depending upon the cost and condition of your car, the type of the driver, and your risk assessment, you can decide the coverage that suits your needs. This can help you get low cost car insurance even though you get all that you want.

Avoid tweaking the facts. There is a notion that if you show higher cost for the car, you might get more compensation in case of any damage to the car. But the truth is that the companies will pay you only for the amount for repairing. Thus, you might actually end up paying higher premium for nothing while trying to get low cost car insurance!

Do not rely on only the national insurance companies thinking they are reliable. There are many smaller insurance companies that have build up good image in the market through top-notch services. You can also do a little bit of research on different companies, read the customers’ feedback, and decide which one offers low cost car insurance for the kind of policy you want.

Finally, do not get swayed by monthly plans. Monthly plans might look good initially, but at the end, you will be paying hidden costs, interests and so on thus shooting up the ultimate cost.

Being a teen has a lot of perks. You’re near adulthood so you’re allowed to do more stuff than when you were a kid. For instance, reaching your late teen years mean you are now finally eligible to get behind the wheels of a car!

Did you get a new car for your birthday and can’t wait to take your wheels out for a drive around? Hold on to that thought until you make a few necessary precautions such as getting a car insurance. Are your parents making you pay it out of your pocket? Ouch right? After all, you only depend on your allowance and maybe your minimum wage salary from your part time job after school and young drivers are typically considered high risk by insurance providers thereby resulting in higher premium. 

Do not fret! Even young drivers like you can find a way to score low cost auto insurance. Just follow hese tips:

Complete the Pass Plus course
Developed by the Driving Standards Agency together with the driving instruction and vehicle insurance industries, the Pass Pluss helps new drivers earn valuable experience. New drivers can pick up new skills and techniques while developing their existing ones and improving their awareness and anticipation ability. The course is also designed to help new drivers learn the method of reducing accident risks while being considerate and courteous on the road.

Completion of the Pass Plus course makes new drivers qualified to earn discount of up to 20% when they sign up for insurance for the first time.

Pick a Car in the Low Insurance Category
Settle for a car that belongs in the low insurance group since providers consider your car’s model before they quote you for low cost auto insurance.

Install Security and Safety Devices in Your Car
Whether you’re young or old, if you want to get a good insurance deal, then make sure to have car security and safety devices such as a car alarm, air bag and auto locks installed. 

Don’t Go Changing… Your Car That Is!
A lot of young male drivers fall prey to this. Naturally they want a car that they can boast of to their friends but to qualify for low cost auto insurance, you should resist the urge to do so.

Most people are under the impression that low cost auto insurance is really just about looking around and asking various insurance providers for car insurance quotes. But it’s actually more than that. In fact, even when you do spend a lot of time canvassing and comparing insurance quotes, if you overlook certain factors that play a role in determining your insurance premium rate, you would only end up frustrated.

Just as age and gender play a vital role in becoming eligible for low cost auto insurance, your driving behavior does too. Avoid the following risks when you’re out looking for the cheapest but best possible insurance premium:

Risk #1: Speeding
Auto insurance agencies look at the number of speeding citations you may or may not have acquired over the years of your driving. If you have a thing for speed, then forget about scoring a cheap insurance policy because providers will consider you a high risk for accidents ergo you will be given a higher insurance rate.

Risk #2: Breaking the Law
When you’re still applying for a driver’s license, you make sure to be on your best driving behavior. You stop at red lights, slow down when it’s yellow, you signal when you plan to take a left or right turn – in short you take all the necessary driving precautions. Fast forward to a couple of years later and the scenario is different. But in order to qualify for low cost auto insurance, you’ll have to be a safe driver again.

Risk #3: You Drive a Flashy Car
Any kind of fancy car like the Ferrari or the Ashton Martin may be cool to drive around but it will hurt your pocket when you’re trying to get it insured because these types of car are on the high risk category. Pick out a low maintenance car if you’re after getting a good insurance deal.

Risk #4: Your Driving Mileage
The fact is the more you use your car, the higher your risk is of getting into an accident ergo you get higher insurance premium. Unless your job requires that you drive a lot, you may consider lessening the number of days you use your car. By doing so, you not only do your share of helping the environment but your insurance rate will also vastly improve.