Free Auto Insurance Quotes Online

Becoming one of many new drivers is an exciting adventure. The freedom of the road and a new automobile can be overwhelming and it can also be scary. Driving presents you with a new responsibility and one of the areas where the responsibility is the greatest is the financial cost to you. Car insurance itself is often a pricey necessity, especially if you have just started your adventure behind the wheel. But when shopping for auto insurance quotes, it doesn’t have to be scary or pricey if you are able to remember these two special tips.

One of the things drivers often make a mistake on is that you set your limits too high. Your medical coverage might be set at the maximum for yourself. This means in the event of an accident, your insurance company will cover you for the limits of your insurance. This seems like the right thing to do, but all this does is raise the money on your premium when you probably don’t need their coverage. Most people, and you are probably one of them, have health insurance so there should be no need to depend on the auto insurance to give that to you.

In the same vein, new drivers make the mistake of setting the deductible too low. The idea is you are worried that you are going to have to pay an expensive deductible if you are in an accident. While there is certainly logic involved in this line of rationale, you must remember that giving yourself a $500 or $1,000 deductible can make your auto insurance quotes that much more agreeable. Another thing to keep in mind is that you only owe a deductible if you are in an at-fault accident. If the other driver hits you, in all likelihood, you will not be responsible for any financial costs.

The other way to lower your quote is to make sure that you are taking advantage of all the discounts an insurance company will give you. For instance, equipping your car with an alarm makes really good sense not just for safety but it should result in a discount. If you are a student and your grades are exceptional, then you should also be eligible for a discount. Perhaps you have a child; this is a way to majorly reduce your insurance quotes. Insurance companies look at a driver with a child as a driver who is being forced to be more responsible. This can only help you in your fight to pay less money for your auto insurance. A little research and some logical thinking go a long way.