Cheapest Car Insurance

Want to know how to get the cheapest car insurance possible? It’s simple. Just be the proverbial little old lady who only drives her car to church on Sunday.

But even in this case, there are a few issues that can affect the cheapest car insurance rates available.

First, don’t be too old. Or too young. Age is a factor in determining the cheapest car insurance rates. Car insurance policies are issued by people who assess the risk of each driver and offer coverage at a cost relative to risk.

Many, many years of studying the driving habits of many, many drivers gives the insurance agencies the data needed to assess risk as best as can possibly be done. These studies repeatedly conclude that young drivers are riskier drivers who become involved in more accidents than more mature drivers.

But after a while, maturity can become a factor against getting the cheapest car insurance rates possible. Once the mature driver becomes the elderly driver, the risk of accidents increases and so does the cost of insurance coverage.

Men should just accept the fact that the ladies are getting the cheapest car insurance rates, at any age. That’s because those same studies of driving habits indicate that men are clearly taking more risks on the road than women are.

When the male driver is younger than 25, his risk assessment is the highest it will ever be, as long as he maintains a good record as a safe driver. This age and gender group generates the most claims against car insurance policies and their insurance rates are the highest of all as a result.

And for that little but not so old lady to get the very cheapest car insurance rate possible, even for her, that church needs to be pretty close to home. Insurance rates are based on age, gender, and distance traveled in an average year.

When all other determining factors are the same, the cheapest car insurance goes to the driver who uses his or her car the least. And stays closest to home while driving.

Cheapest car insurance? Be the little but not so old lady who drives her car only to church on Sunday. To the church just down the block and around the corner. But not much further.