Finding a cheap auto insurance company is not as easy  as some insurance agents would want you to believe. Part of this has to do with the fact that no two firms are alike as different firms use different set of limits and method to work out the amount of premiums to levy on customers in different locations.

Insurance companies stay in business by ensuring what they pay in claims is less than the auto insurance premiums charged to their clients. Therefore for the equation to balance, areas designated as high risk auto insurance areas pay higher premiums than the low risk areas. The different areas are mapped out using actuarial science which is usually a very accurate means of assessment. This is one reason it is important for customers to carry out research and compare auto insurance quotes online  and car auto insurance agencies like InsureDirect.com whom represent at  two dozen auto insurance  companies in order to find the most suitable vehicle insurance and price that meets your needs.

Factors used to decide the amount of premiums to be levied include:

1. The Applicant’s age
2. The Applicant’s driving record
3. Type of vehicle
4. Applicant’s marital status
5. Applicant’s Driving Experience

By being aware of these factors, you could use them to negotiate for cheap auto insurance. For instance; a young driver with a limited amount of driving experience would usually be expected to pay higher premiums than a more mature experienced driver with a clean driving record but, there are some auto insurers who would offer discounts to the younger driver provided he takes safety driving classes.

Another important factor which most people tend to overlook is the driving needs and the average total mileage covered per year. If you do not do a lot of driving then it is only fair that you pay a lesser amount than someone like a business person who is always behind the wheel all the time. A good insurance agent like InsureDirect.com will advise you on the best policy to fit your lifestyle.

In order to get paired with the most suitable auto insurer, either make a few phone calls or get cheap auto insurance quotes online from a number of sites and then pick the most suitable for you. Note that you will have to produce proof of vehicle ownership before the policy can be processed and mailed to you.

For those using leased vehicles, they would have to satisfy the leasing company insurance needs for insurance coverage. Most of the leasing companies demand higher than normal insurance coverage because they need to sure that they asset would be fully protected in case of an accident or if the vehicle is stolen.

– Mike