subject: Why Can't I Find Cheap Car Insurance Quotes? [print this page] Low cost insurance and affordable insurance are the terms you're most likely to see when you visit an insurance company website. The fact is, insurance providers don't really like branding their products as being cheap, and one can hardly blame them really, considering most people associate the word cheap with poor quality.
You often hear people saying they don't want to waste their money on cheap rubbish, and this is exactly what insurance companies are afraid of. Even so, the truth of the matter is that the vast majority of motorists are indeed looking for affordable cover, and while they may not find the cheapest car insurance quotes they are more often than not able to find a policy which suits their budget, while at the same time providing them with all the cover they need.
If in your heart, you really believe your car insurance is expensive, then you need to accept the fact that it's probably because you failed to shop around. Alternatively, have may have had a spate of recent convictions, if which case you'll just have to live with it for a few years. Insurance companies usually penalise you if you've had any serious convictions within a three to five year period prior to taking out a policy with them. Even so, if you shop around enough, you're bound to find a provider who may be slightly more lenient than your current provider.
Your age could also be preventing you from finding the cheapest insurance. Drivers under the age of 25 are unfortunately expected to pay more for their premiums than what older drivers are. With that said, some providers do offer young driver's special deals, so once again, your best bet is to shop around.
Senior citizens on the other hand can almost always get reduced rates, so if you're not getting this from your current provider, you need to consider taking your business elsewhere. Many elderly people can also take advantage of limited mileage cover, considering not many of them use their cars to travel great distances.
With limited mileage cover, your insurance covers you providing you don't exceed the agreed mileage limit. If for some reason you do exceed it, you need to contact your provider immediately in order to get your cover extended. Failure to do would mean you're driving on the road illegally, in that you essentially don't have any insurance.
Most new cars nowadays come with alarms and immobilisers as standard, and this is largely responsible for the fact that most stolen cars are older than three years old. If your car doesn't yet have a recognised alarm fitted, it's something you need to get done as soon as possible. If you do, you'll certainly qualify for a lower insurance rate.
In this article we've only looked at a few things which could be preventing you from finding the cheapest car insurance quotes, so as has already been mentioned, if you're unhappy with the amount you're paying at present, then you need to get online and begin doing some research. Will a little bit of effort, there's a strong possibility you'll be able to save a fair amount of money each year.
by: Tom Jones
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