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Direct Auto Insurance
Opting for a direct auto insurance policy is one of the best ways to cut down on your premium payments.
The average American spends hundreds of dollars a year on car insurance. That amount goes up as risk increases or (as is the case in any industry) when the purchase is made through a third party or reseller, which tacks on that party’s profit to the price of the policy.
Getting a direct auto insurance policy straight from the source eliminates the middleman, which of course drives down the cost of your policy.
Additional Ways to Save on Auto Insurance
Of course, purchasing direct coverage is not the only way to get cheap car insurance. You can also easily negotiate a better insurance rate based on any of the following factors.
- Your driving history. If you have a clean record, you should get a lower direct auto insurance premium than a driver who has had accidents or serious traffic violations. However, allowing your insurance to lapse for a number of years can also drive up your current direct car insurance rate.
- Your age. Companies usually charge a higher rate for people below the age of 25 since older drivers tend to have fewer accidents.
- Your car. Factors such as car cost and safety record, cost of repairs, and the likelihood of theft will also affect your direct car insurance premiums.
- Your location. If you live in a location with a low rate of accidents, lawsuits, auto theft, and relatively low car repair and medical costs, you will pay less for direct auto insurance.
- Your miles per year. The average annual number of miles is 10,000. If you drive less than that, you are likely to pay a lesser direct car insurance rate because you are less of a risk. Some companies even give discounts to carpoolers.
- Your coverage amount. The more coverage you avail yourself of, the more you pay, although you may be a candidate for discounts.
What the Law Requires
It is illegal to drive in the US without some kind of car insurance. Although some states do not mandate car insurance, they have some form of financial responsibility law, which requires anyone who gets behind the wheel to pay for damages and injuries they cause.
On the other hand, a number of states require their drivers to carry, aside from standard liability coverage, uninsured/underinsured motorist (UM/UIM) coverage so that they can be protected from the inadequate insurance coverage of other drivers.
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