For most things in life "you get what you pay for" is a true statement. This is somewhat true for car insurance, however, there are many individual factors and discounts that can help you get cheap insurance that is still good enough to provide you with adequate protection. Here are some of the most common discounts you can get to lower your insurance premium:
» Good student – oftentimes good students can get a discount on their insurance if they are a full time student with an A or B average (specifics depends on car insurance company).
» Safe driver – having a safe driving history, driving safe and secure vehicles, and taking driver's education courses are ways to prove you are a low risk driver and get a discount.
» Low mileage – the less time you spend on the road, the less chances you have of getting into an accident. Staying under a certain mileage amount each year can get you an insurance discount.
These are only some of the discounts you can get, there are many more. Comparison-shopping coupled with calling insurance companies to verify available discounts is the best way to make sure you find cheap insurance.
There are millions of cars on the road every single day. This means that each time you are behind the wheel, you are at risk for an accident. Many people go years without encountering an accident, and people have a tendency to inflate their driving skills. This means that people do find insurance particularly important, because accidents are things that happen "to other people."
Unfortunately, everybody, regardless of driving skill, is at risk. The best driver in the world cannot control the actions of other driver's on the road. Even without an accident, you still are faced with rocks chipping your windshield, theft, and vandalism. Car insurance protects you and others on the road from these situations, and is a legal requirement.