It stinks when you have the auto you love, but insurance that you hate.
Effective Coverage auto insurance can be customized exactly how you need. We can help you find inexpensive, quick insurance. In this case, cheap doesn’t have to mean bad–there’s a big difference between cheap insurance and lousy insurance. We can help you to get affordable insurance at a great price.
Effective Coverage looks at several different variables to find you cheap auto insurance:
Insurance companies assess risk based off of your insurance score. Your insurance score is calculated by using information from your credit history, among other factors.
What does your credit history have to do with your insurance? Insurance companies use this information to determine how likely you are to file a claim. Unfortunately, a bad credit score can mean someone might pay double what they normally would if they had a good credit score. Click for more information about how credit history affects auto insurance rates.
Just like with a bad credit history, a person who has a lot of traffic violations is going to pay a higher premium on their auto insurance than a person with no traffic violations. The reason for this is because the more traffic violations you have, the higher insurance score you will have.
But even if you have a bunch of violations on your record, it doesn’t mean that Effective Coverage can’t find cheap auto insurance for you. Recently, we found an incredibly cheap auto insurance policy for a woman who had seven different suspensions on her license!
A person who has been driving for a while is seen as less of a risk than someone who just got their license. However, there is a cutoff where being too old is seen as a risk as well.
Research shows that due to a lack of experience behind the wheel, young drivers get into more accidents than the average adult, which puts young drivers into a higher risk category. This is the primary reason why young drivers pay a much higher premium for their insurance.
Defensive Driving Course
If you have taken a defensive driving course, you will probably get some sort of discount. Some states (like New York for example) actually have laws that require a discount be provided if you’ve completed a defensive driving course. Call Effective Coverage to see if you can get a defensive driving discount in your state.
There are many insurance discounts that are available such as a multi-auto discount, bundling discount, or safe driving discount. Call Effective Coverage and we will do our best to find all the discounts you deserve.
How Far You Drive
A person who only commutes 5 minutes to work is considered much less of a risk than someone who drives an hour to work each day. Someone who spends more time behind the wheel has a higher exposure to potential accidents, which can have an impact on your rate. You can enroll with one of our carriers who tracks how far you drive for even more savings after you purchase a policy.
We’d be happy to help you find out if you are getting the best price and the best coverage possible for your insurance. Submitting your information takes only seconds and could potentially save you quite a bit of money. If you would like help completing your insurance policy review, just call (800)892-4308 or click to get covered – whether you need auto insurance quotes online, or coverage anywhere else!
Effective Coverage offers the nation’s only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.