+1 (866) 396-9140

Hours of Operations: Monday to Friday - 9am to 6pm Toll Free: +1 (866) 396-9140

It seems easy to find cheap car insurance today owing to the availability of so many online comparison tools. However, just simple comparison will not always give you the best deal for your auto insurance. There are many factors that influence the price in the quote and it is important that you know how to use this information to ensure that you get the best offer.


  1. Value Of The Car – it feels great to drive a fancy, expensive car. However, the more expensive the car is, the higher the premium will be. The cost for comprehensive and collision coverage is more or less the same, but depends on the model and make of the car you own.  Hence, if you do not want to spend too much on auto insurance, go for an inexpensive car.
  1. Know The Minimum Limits In Your State – the limit of how much liability insurance coverage you have to get varies from state to state. Find out the limits from the National Association of Insurance Commission (naic.org) which lists these details for all the state in the USA.
  1. Deductibles Lower The Premium Significantly – take the highest possible deductible for the highest possible discount in the premium. This comes with the considerable risk that if you are involved in an accident you will be paying more before the insurance claims come in, but in dire times this is an easy way out.
  1. Credit Score Is Important – in many states the insurance providers use your credit score to set the premium. A good credit score will keep the premium amount low.
  1. Educate Yourself On All Factors That Are Eligible For Discounts – you cannot ask for something you are not aware of; hence, make it a point to research well and educate yourself on all such features/ factors that will give you an opportunity for a cut in the premium amount for your car insurance. A few such factors are age of 55 or more, student with good grades, vehicles with latest safety devices, passed a nationally recognized driving course, short commuters and so on.
  1. Decide On The Type Of Coverage You Need – if you are driving an old car, it might be a good idea to do away with the comprehensive and collision coverage or you will end up paying too much for your auto insurance. Keep the liability coverage instead – which will keep you financially safe in case of an accident.


Or speak directly with an agent at Insurance Medics, call now at 1 (866) 396-9140. Our customer enrollment center is open Monday through Friday from 9:00AM to 6:00PM EST and Saturday from 10:00AM to 2:00PM. We look forward to answer all your questions and having you as a customer.