Getting auto insurance is not as time-consuming nor frustrating as it used to be. Today, thanks to the world wide web, anyone can get a quote in under 10 minutes. You can even use your smartphone to compare low cost direct auto insurance online. 

Getting a new car insurance policy that saves you money is like ordering up a cup of coffee if you know the type of coverage you want. While everyone searches for the cheapest auto insurance online, you must carefully consider the coverage type and limit amount. This is especially true if you have invested a lot of money into a new vehicle. 

Keep in mind, automobile insurance prices can go up at any time, and rates have been creeping up the past few years. If you see a great rate that beats your current coverage by $100 or more, then you should probably take advantage of it and switch carriers.  With companies like GoodtogoInsurance, you can get cheaper rates with extensive coverage that adequately protects you. To get started, enter your zip code and fill out a free application.

The Best Auto Insurance Prices

Numerous things go into your insurance pricing. Providers use complex algorithms to determine your risk factor and what premium to charge. You might be the same age as your friend and apply for similar coverage. He might pay $80 a month, while you get quoted $145 per month. It might be frustrating because you probably think the friend is a horrible driver, and you deserve the lower rates. 

Auto insurers use many factors that determine the risk a driver poses. Just like no two drivers are alike, neither are two profiles the same. Also, each insurer has its formula in determining risk. This is why it’s so important to shop around for low-cost car insurance online.   

Here are some of the main things that go into assessing your premium costs:

– Your Driving Record:

This is a fair assessment of your risk. How many accidents and tickets you have plays a significant role in the rates you end up paying. If you have access on file, see the judge and go to traffic school to get it off your record. Obeying driving laws like the speed limit can save not only your life but also big bucks on car insurance coverage. Motorists with a clean record can get the best rates and save hundreds, compared to higher-risk drivers. 

– Your Vehicle:

The car you drive plays a huge role in the cost to insure you. Newer cars cost more to cover as well as “high-end” luxury vehicles. As a rule of thumb, the more expensive a car is, the more it will cost to insure. If you want cheaper rates, get a used four-door vehicle with a four-cylinder engine. This type of vehicle includes Subaru’s Forester, Toyota Camry, and Hyundai Sonata. High-powered sports cars, like a Mustang Cobra, will cost you 25% or more to insure. If you are looking for the cheapest premiums, just get a boring car.

– Your Zip Code:

One of the initial things asked when you apply for automobile insurance is your zip code. The number is used to calculate the odds of you getting into an accident in that specific area. It also includes risk profiling for vandalism, auto thefts, and damage from natural disasters like tornadoes and hurricanes. Most dense cities like Las Vegas and Newark, New Jersey, cost more to insure because of more accidents and vehicle thefts. Rural areas with fewer vehicles and automobile thefts almost always have cheaper auto insurance rates.

– Your Age:

Like it or not, younger motorists under 25 will pay about double of older drivers’ rates above 40 years of age. This young adult age group not only is inexperienced behind the wheel but often takes more risks. These risky behaviors include higher frequencies of street racing, driving recklessly, and of course, texting while driving. Accidents among young drivers have been going up in recent years because, you guessed it, smartphone usage while behind the wheel. If you’re under 25 and want to save about 10%, take a certified safe driving course. Also, get on your parent’s policy if you can. Doing so can save you an additional 10% or even more.  

Direct Auto Insurance Advantages

Now that you know the factors that go into your premium costs, the next step in getting low cost direct auto insurance is comparing quotes. There are a few things that make direct-to-consumer auto insurance so appealing:

1. Low-cost pricing

One of the first is what you probably already suspected: there is intense competition online, and pricing is a surefire way of attracting customers. Carriers like goodtogoinsurance can beat competitors because they don’t carry the vast overhead others do. Good to Go Insurance can pass these savings down to the consumer. It is not uncommon for someone to save $400 and even $600 per year off their old policy while still maintaining the same coverage level. 

2. Privacy

Another thing so many consumers like is the privacy factor. Who wants to talk to a pushy agent after all? In about 5 minutes, you can get quoted on a smartphone, tablet, or laptop. Whatever device you have that’s hooked up to the internet will allow you to get free direct insurance quotes. You can also stop at any time and later retrieve your custom quote and complete it. 

3. Time

The other benefit is time. From bill paying, filing claims to even I.D. cards, you can do almost anything online fast and efficiently. Gone are the days where you need to make an appointment or go into an office and wait around. As the saying goes, time is money. The internet is a huge time saver.

Now that you know the benefits of buying low cost direct auto insurance, get a no-obligation quote and compare the quotes for yourself. With Goodtogo Insurance, you can save 20% or more and qualify for instant discounts. Get started now, and you can compare quotes in around five minutes. You can even buy your policy online if you want. Start comparing the cheapest rates right away.