What Is Cheap Auto Insurance?

Some automobiles are prohibitively expensive to insure. The cost of repairs can be astronomical and insurance providers must compensate for stolen vehicles. The least expensive vehicles to insure are cars and larger trucks that do not cause a lot of damage. One way to save money on vehicle insurance is to drive safely. Keeping your car insured will lower your premiums. massachusetts auto insurance quotes

Distracted driving is a big reason for cheap auto insurance

Using a handheld cell phone while driving can raise your auto insurance rates. While insurers typically take a number of factors into account when setting rates, distracted driving may be one of the most significant. Distracted driving has been linked to a higher likelihood of accidents. The insurance industry aims to discourage this behavior.

The use of a cell phone while driving is particularly dangerous, especially for young drivers. Teens are much more likely than older drivers to use their phones, so parents should speak with their children about the hazards of texting while driving. Distracted driving is not only harmful to the driver, but also to other drivers and passengers on the road.

Older cars are cheaper to insure

Buying an older car is a great way to get a better insurance rate. Insurers consider your driving record when setting your rates, and older cars are generally less expensive to insure than newer cars. However, you should consider the cost of repairs before buying an older car. You might find that old cars cost more to repair and insure because the parts are hard to find.

Besides age, a car’s model and location also play a role in insurance rates. If you plan on driving your car often in a city or neighborhood where traffic is light, then an older car is likely to be cheaper to insure.

Affinity and employment discounts can help you get cheaper auto insurance

Some companies offer special affinity discounts for employees or members of certain organizations. These programs may include discounts for teachers, doctors, dentists, and scientists. These companies may also offer affinity discounts to the general population. If you have a job in one of these fields, you can take advantage of these discounts to get cheaper auto insurance.

Progressive is the third-largest auto insurer

Progressive is the third-largest auto insurance provider in the United States, insuring cars, motorcycles, boats, and commercial vehicles. It has more than eight million customers and more than 20 million policies in force. The company is organized into three segments: personal lines, commercial lines, and property and casualty. In addition to direct sales, Progressive sells insurance through more than 30,000 independent insurance agencies across the country. Founded in 1937, Progressive offers a variety of insurance policies and unique cost-saving options. For example, its “Name Your Price” tool allows shoppers to compare coverage options. In addition, its “Deductible Savings Bank” program allows drivers to lower their deductibles by $50 every six months without making a claim.

The company also offers a customer portal, where customers can manage their policies and email questions to customer service representatives. Their customer service representatives are available twenty-four hours a day and seven days a week. The company also offers customer service over the phone, including live chat. When reviewing auto insurance companies, premium costs are a key factor. According to the Insurance Research Council, Progressive is the 14th-highest auto insurer in the United States.