So, your planned move to the land of opportunities is complete and finally you are here. Like in any big country you need a car to move around. In fact this is a no-brainer considering modern society is highly mobile. But there is a catch in costly insurance premiums.
Solving the Dilemma
The worst mistake you can make is to shirk buying auto insurance in the US. This is why you need to opt for cheap auto insurance in USAto stay on the right side of the law. You will not only be safe in case of an accident, you will also be catered for in terms of liability, medical bills among other compensatory damages.
How then do you get these elusive cheap insurance deals? Here are some factors that top auto insurance c
ompanies consider:
- The type of car you are insuring: While it is tempting to buy the latest Mercedes S-Class in the market you need to know the price of insuring this ride is steep. If you are looking for affordable insurance premiums make sure the car you buy is not prone to theft. What’s more muscle cars like BMWs are taken to be more prone to accidents thus raising insurance premiums.
- Your age vs. insurance: The insurance company is in the business of making money by reducing its risks. As a young driver you are considered a high risk hence your insurance rate is higher. However you can still get a cheap quote by proving you are a responsible driver with no traffic record. Going back to driving school for defensive driving lessons also helps to get a better deal.
- Your address vs. cheap insurance: If you cite a congested urban area where accidents are common, you will not get the best rates. As such you need to consider where you live once you settle in the US. Ensure your residence is secure enough to avert burglaries and theft.
- Your personal status: Are you married or single? Married drivers are deemed more responsible and they get better rates.
- Driving record: This is one of the most crucial factors. If you can prove you are a safe driver with no insurance claims, you get the best rates. On the other hand a moving volition such as speeding, DUI, and any such offense makes you a high risk.
- Annual mileage: The longer you drive the higher the risk of getting involved in an accident. This will reduce chances of getting cheap auto insurance.
- Additional drivers: You should only add experienced drivers in the policy because teenagers and any other person with a bad driving history will affect your rates.
How do you beat all these factors and get the cheap auto insurance? Some of the situations are amendable including avoiding traffic offences, improving safe driving by fitting anti-theft devices such as alarms, keyless entry devices, glass VIN etching, anti-theft locks and exclusion of drivers with a bad history.
It is important to compare as many companies and get quotes which you can then compare before selecting the most affordable. You must also provide all the information required to an auto insurance provider to make the process smooth.
Who said cheap car insurance in USA is a mirage? You just have to know what affects the rates in order to get a good deal.
