Getting Good Rates on Car Insurance

When you start shopping for auto insurance, you are going to find that there are many different companies that all offer very similar services but may have many differences as well. You want to get the very best auto insurance for the very best price. In order to do this, you are going to come up with a list of what you need covered by your insurance and then shop around at all the different companies. You will also find that there are some outside variables that are going to influence what you pay for your insurance. Here are a list of different variables that you can have control over and that will influence how much you pay for your auto insurance.

Driving Record

Your driving record says a lot about the habits that you have behind the wheel. You are going to have a hard time finding insurance for a good price if you have multiple speeding tickets. In fact, if you have a DUI, then you are going to have to get specialty insurance because, to an insurance company, you are a risk. To get the best insurance at the best price, you want to have the cleanest driving record possible. It is possible that you get pulled over every once in awhile and maybe get a ticket. In some states you can take a defensive driving class and work one of those points off. Do everything you can to make your driving record more polished.


You are going to be paying for your insurance, and the company wants to know that they are going to get paid and paid on time. They are going to check your credit score to know how responsible you are with your finances. Once again an insurance company does not want to have to send you to collections for a simple missed payment. If you have a good credit score, you are much more likely to get the best insurance at the best rate around.

Your Car

The age of the car and the style of the car that you are getting insurance for is going to have an impact on the cost of your insurance. You may want to talk to the different companies and see what it would cost to insure your car specifically, but if you are looking to buy a new car you may want to check what it is to insure that car as well. 

For more information about getting auto insurance, talk to agencies like Nelson Insurance Agency.