To find the cheapest auto insurance available, information is one of the most important tools you have. You need to know the steps to take to make sure you are eligible for the lowest cheapest car insurance rates possible. Additionally, you need to know how to find the companies that offer cheap car insurance and compare their best rates.

Cheap Car Insurance Factors

Everybody wants cheap car insurance, unfortunately the insurance company sets the rates. The insurers use many variables to determine their rates, some of which you have control over and some you don’t. Your age, for example, is one factor that affects getting cheap car insurance but that one you’ll just have to wait for. Being married might also get you cheaper rates. But we never suggest getting married just to save a few bucks on your car insurance. Young or old, married or single, there are things you can do to make yourself eligible for the better, cheaper car insurance rates.

Driving Record

The most obvious factor is your driving record. By avoiding accidents and traffic tickets it will be easier to find cheap car insurance. One way to keep your insurance cheaper is to avoid, if possible, making insurance claims. It might be cheaper for you to just pay for damage you do than it would be to make a claim against your insurance, especially when you factor in how that claim might rise your insurance rates in the future.

Car Make & Model

Another obvious factor that can affect having cheap auto insurance is the car you drive. First is the cost of repair based on the sticker price of the vehicle as well as how much body shops charge to work on that type of car. Second is the claims history each vehicle has with the insurance companies. Minivans don’t get into near as many accidents as sports cars. A third factor that might help you receive cheap car insurance rates would be the devices that help to prevent vehicle theft and to recover it if it is stolen.

Your City

The city where you live also factors into the rates you must pay. The cost of living affects rates since body shop rates are based on an area’s cost of living. Traffic congestion affects rates since more cars per square foot means more accidents. Higher crime rates also can affect car insurance rates. These factors all combine to make insurance cheaper for people living in Eastern Washington cities like Kennewick, Richland, and Pasco than it does for people living in Western Washington like Seattle.

Mid-Columbia Insurance – Cheap Car Insurance Experts

The final piece of information you need in order to get cheap car insurance is knowing where to look. Mid-Columbia Insurance is that place. We can quickly & easily give you a quote and get it started for you. Feel free to come in, call, or get a quote over the internet with the many competitive insurance companies we represent, getting you the best value for your insurance dollar.