CHEAPEST CAR INSURANCE COMPANIES | A SIMPLE APPROACH TO HAVING A CHEAP CAR INSURANCE

May 07, 2019



CHEAPEST CAR INSURANCE COMPANIES | A SIMPLE APPROACH TO HAVING A CHEAP CAR INSURANCEThere are so many car insurance companies who offer cheap plans. What we should consider is that cheap plans should be able to cover up our needs at a cheap rate. Most of these insurance companies that offer cheap plans may likely not include the basics of your needs thereby leaving you with a choice to increase your premium. But there are so many factors to be considered in order to arrive at a cheap rate but FIRST let’s discuss some factors to consider when looking for a cheap car insurance company.

FACTORS YOU SHOULD CONSIDER WHEN SORTING FOR A CHEAP INSURANCE COVERAGE

1   Have a clean driving record

A) A driver without a clean driving record can increase your monthly premium by approximately 30-40%

B) Most of the insurance company provides a discount if your driving history is positive

2 A discount after retirement: Some insurance company provides discount to retired drivers

3 There are benefits which some insurance company offers to persons who have more than one vehicle thereby a reduction in your insurance premium of each month

4 Your deductibles should be increased because this will help you save some huge amount of money in a year and reduce every tendency of financial incapability when an event occurs (accident) before your insurer will payout your claim.

5 Cheap car insurance rates are mostly offered to those who fall between 25- 55 years as they are considered as to be the safest drivers (more than teenage and elderly drivers).

6 Combining all your Insurance policies in one insurance company can help you save a lot therefore leading to a cheaper rate and reduction in hassles.

7 It is likely that this has already been your first factor; that is “compare before buying”. It is advisable to compare the price on different insurance companies, do your thorough research and find the one that suits you most.

8 Patience is a key factor: Every insurance company will want to guarantee you that they will offer the cheapest price you can ever think of but a patient person will carefully look into various price of different insurance company and outline the benefits as this will help you get a cheaper rate.

NOTE:  What you feel is cheaper for you may be costly for another depending on what you want from the insurance company.

These factors are applicable to all countries as it is regarded as a general factor irrespective of the legal system

In the United States we can say the cheapest car insurance company is the GEICO and Nationwide….

Note: The editors pick is not based on sponsorship or favoritism as at when writing this article but on true research and findings…..

CHEAPEST CAR INSURANCE COMPANY IN USA

In California,USA, these are the cheapest insurance companies: (Treating California as the biggest insurance company)

State               Company                 Rate
Anaheim        GEICO                    $1124
                      Nationwide              $1176

Aliso Viejo    Century National     $ 840
                      Nationwide              $1008
                      State Farm               $1104
  
Alameda        GEICO                   $1042
                       Nationwide            $1176

Alhambra       GEICO                   $1385
                       Nationwide            $1488
                       Century National   $1500


For Los Angeles:

Also for Los Angeles, GEICO still becomes the cheapest car insurance company. Insurance coverage are quite expensive in Los Angeles which averages at $ 2, 257 for age range of 30 years to 40 years.

In San Diego:

GEICO, Nationwide, State Farm, Grange insurance annual rates cost as low as $1,446 on average

In San Jose, CA

The mean annual premium from these three insurers was $1,163 bed on our findings which is about 49% cheaper compared to others.

In San Francisco, CA

The cheapest car insurance rate starts with Century National, GEICO, Nationwide, Grange Insurance and State Farm with an average of $1,288 a year to insure a car.

In Oakland CA,

In Oaktown the GEICO, Century National, and Nationwide averages at $ 943- 49% lower than the overall cost in the city

In Anaheim, CA

It averages at $1239 a year for auto insurance about 42% less than Anaheims city wide cost of $1760 (GEICO, Nationwide and Century National)

Coverage Type         Minimum                     Limits
Bodily Liability       $15,000 per person/    $50,000 per person/
                                 $30 per accident         $100 per accident

Property Damage $5000 per accident        $50000 per accident

Uninsured/Underinsured                           $50000 per person/
                                                                   $100000 per accident

Uninsured/Underinsured
Motorist Property                                       $50000 per accident


Comprehensive Collision                           $500 deductibles

But this listed above are based on cheapest car insurance companies and it is likely you might not get 100% satisfaction from the insurance company. So we came out with the best Insurance companies based on high level of service offered and customer’s satisfaction rating thus:

       I.   Eric                    Best Overall Company

     II.   State Farm          Best Large Company

  III.     Progressive         Best Company after getting into an accident

  IV.     USSA                  Best Company for Military families

    V.    Metromile           Best company for low Mileage drivers

  VI.    The HartFord       Best Company for handling claims

VII.     Liberty Mutual    Best for the shopping experience

In the UK

Insurance in the UK is quite expensive to purchase.  I would say it’s better to just look at some certain factors and determine by yourself which would be the cheapest car insurance companies. It will be so broad that you may get tired of reading this article but quickly am gonna give quick rundown of what you should know and do before purchasing a car insurance in the UK and this is also applicable for anyone looking for a cheap car insurance coverage and this will actually help you to determine the cheapest of car insurance companies.

CHEAPEST CAR INSURANCE COMPANIES IN UK

1 Direct Line Car Insurance
2 Admiral Car Insurance
3 By Miles Car Insurance
4 Debenhams Car Insurance

5 Insure Daily Car Insurance
6 Day Insure Car Insurance
7 Curva Car Insurance
8 Collingwood Car Insurance
9 Aviva Car Insurance
10 Sheila’s Car Insurance
11 Saga’s Car Insurance
12 Age Co Car Insurance (over 50’s ONLY)
13 Churchill car insurance

STRESS LESS TIPS:

1 GoCompare Car Insurance     348.79 a year
2 Money Supermarket’s Car Insurance  348. 45 a year
3 Direct Line Car Insurance    348. 34 a year

CHEAP CAR INSURANCE COMPANIES IN CANADA

1 Intact Financial Corporation
2 TD Insurance
3 Aviva Canada
4 State Farm Mutual
5 Wawanesa Mutual Insurance
6 RBC Insurance
7 Co-operators Insurance
8 RSA Canada Group
STRESSLESS TIPS
1 Ex Calibur Insurance Company
2 Ask Avenue Insurance Company
3 Loan Estate Insurance Company
   
Check in Kanetix.ca

CHEAP CAR INSURANCE COMPANIES IN AUSTRALIA

1 SGIC Insurance
2 Allianz Australia Insurance
3 Difford Truck Insurance Australia
4 Apia
5 1300 Insurance

CHEAP CAR INSURANCE COMPANIES IN NIGERIA

1 Aiico Insurance Plc
2 NAICOM Insurance
3 Custodian Insurance
4 Linkage Assurance
5 Oasis Insurance Plc
6 Lasaco Insurance


Feel Free To Use The Comment Section for Suggestions, Queries or Updates




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