Getting the Lowest Car Insurance Rates

Getting the lowest car insurance rates depends on many factors, a lot of which have to do with the car itself. Vehicle history, safety features, and usage are just some of the things that factor into finding cheaper insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 23, 2020

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Here's what you need to know...

  • Learn about the many different factors that impact car insurance rates
  • Vehicle history, safety features, and vehicle usage all play a part in insurance
  • Compare several car insurance companies before purchasing a policy


Obtaining the lowest car insurance rates depends on so many factors that it can be difficult for people to fit into the perfect description.

Although it can be difficult to be the best car insurance candidate, people can go out of their way to be someone who is entitled to have the lowest car insurance.

Use our comparison tool to enter your ZIP code and receive FREE car insurance quotes from multiple car insurance companies.

The Relevance of the Loss History

 

People can plan to purchase a vehicle that has a good loss history before they purchase an auto insurance policy. Use a website such as CARFAX to learn about your vehicle’s history.

Car insurance agents look at several ways in which people file claims for their coverage. They will gather up the information on all of their claims and place the vehicles’ make and model into categories.

Two different things will cause a claim to be more expensive for one vehicle than for another:

  • The high price of the repairs or the replacement costs
  • The propensity to incur serious damages in a car collision

If a vehicle is a high-performance vehicle and has hard-to-find parts, the car insurance company will pay more for the repairs. Very expensive vehicles will cost a car insurance company more than a less expensive well-made vehicle.

A vehicle that receives extensive damages even though it has not necessarily been involved in a very high-speed crash will also cause the car insurance company to have to pay a high price to have the car repaired.

These types of vehicles are the smaller cars in existence.

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Crash Tests Combined with Type of Vehicle

Some people believe that having high crash test ratings is enough to entitle them to the lowest car insurance rates.

The fact that a vehicle passes its crash tests with high marks is not the only thing that people need to find the lowest car insurance rates.

Avoid Purchasing a Really Old Vehicle

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People who are looking for the lowest car insurance rates will not want to look into purchasing a used vehicle.

Every state has a top 10 list of the most stolen vehicles, and the majority of the cars on these lists are used cars. Most of them were manufactured in the 1990s.

These older vehicles are a target for car thieves because the parts in these automobiles are becoming increasingly harder to find.

When these vehicles are stolen, they are stripped for their parts, and the thieves can receive a good price for providing these rare parts to those who are looking for them.

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Safety Features for Lower Car Insurance Rates

For lower rates, people may want to look into buying a new car. This is one of the ways how to lower car insurance premiums.

A new car will be more expensive to purchase, but their auto insurance rates may offset this amount. They will also have a vehicle that has the latest technology that makes driving the automobile a safer experience.

An added bonus is that they will receive discounts for purchasing a new vehicle that has these safety features:

  • Anti-lock brakes
  • Traction control
  • Electronic stability control
  • Side, front and back airbags
  • Automatic seat belts
  • Rear-view cameras
  • A radar system

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Type of Vehicle and Driving Behavior

Sometimes, it is not the car that keeps people from receiving the lowest car insurance rates; it may be a combination of the type of vehicle along with the driving behavior.

People who have received several tickets for moving violations, such as speeding, find themselves in the high-risk category.

The Type of Vehicle that Receives the Most Speeding Tickets

 

Car insurance underwriters are aware of the type of vehicle that people are driving when they received their tickets.

The type of vehicle that is stopped most often for moving violations, specifically speeding, is the Hummer. The Mercedes and the Scion also were high on this list.

Avoiding these vehicles when deciding which car to purchase will ensure that people are not purchasing an automobile that will not give them the lowest car insurance rates.

Driving Fewer Miles Reduces Car Insurance Premiums

Those who vow to drive their vehicles the least amount of time possible will also receive the cheapest car insurance rates.

People can take public transportation or join a carpool to keep from commuting long distances to work.

Those who drive during rush hours are more likely to be involved in a collision, so those who avoid it and only drive on the weekends end up with the lowest car insurance rates.

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Compare Quotes to Find the Lowest Car Insurance Rates

Once people have purchased the right vehicle and made changes in their personal lives, they can receive the lowest car insurance rates.

The next step is to compare quotes on our website. Our comparison tool offers several quotes with different car insurance companies.

Enter your ZIP code below for FREE car insurance quotes now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State