Question:
Which insurance company do you have that has given you really cheap rates?
I'm 22 yrs old, anyone around my age group with cheap auto insurance?
Answers:
Anyone that gives you a definitive answer to your question is an idiot. Every insurance company weighs certain factors differently. The most important are your age, driving record, your zip code, your credit and the vehicle you are insuring. There is no "one" company that is cheapest in general. You you will have to go online and get tons of quotes until you find the lowest one for you and your situation. Look for some insurance brokers and let them shop for you. Shop around some every 6 months or so to make sure you are still getting the best rates.
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Regarding the "idiot" answer the other guy mentioned, there is more to it than that.Am i the owner or the registered keeper?
There are three main ways that you can get insurance
1)Direct via website or insurance company (800) #. This way, in a sense, you are eliminating the comission paid to an agent who would normally sell you the policy.
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2)Direct Writer Agency, who sells insurance for one company only, most recognized are State Farm and Allstate. They will give you quotes for their companies only.
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3)Independent Insurance Agents sell insurance for multiple companies and will get you quotes from several places to see which is cheapest.
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Options 2 & 3, you are still paying comission to the agent to some degree by paying premiums.
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Ways to save money, regardless of who you go with:
if you carry coverage for damage to your car, carry the HIGHEST deductible you could reasonably afford if you were in an accident. You can save a ton by going to $1,000 over $500-you just have to be prepared to pay a grand if you do have an accident.
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Also, carrying lower limits exposes the company to smaller payouts if you cause an accident. They will charge you less to carry $25k or $50k liability limits than $100k, but if you do cause a bad accident, you could be held accountable for your personal assets if you seriously hurt or kill someone in a car accident.
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Choosing coverages and deductibles is all about weighing risks, how much are you willing to risk compared to the benefit. For a younger person like yourself, I would never buy insurance without an agent, they are worth whatever extra amount the policy costs as they are experienced and have an ethical responsibility to you to make sure you buy what you really need.
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You can easily get some insurance quotes from different companies here, just to get an idea of what amount you are looking at.Car insurance, transfer from Europe?
http://www.dmv.org/car-insurance.php...
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