Purchasing Direct Auto Insurance

If you want to lower the cost of your auto insurance premium, choosing a direct auto insurance policy is a great choice. American drivers typically spend approximately $700 every year on car insurance. However, that amount increases as risk increases if you pay via a reseller or a third party. They will add on their profit in addition to the purchase price of the insurance policy. If you go directly to the source when you buy your car insurance policy, you can lower the cost.

More Ways to Lower the Cost of Your Car Insurance
Buying direct coverage is only one method to lower the cost of your auto insurance policy. If you meet the following criteria, you may be able to obtain a lower insurance rate from a prospective insurance provider:
Age: Most insurance companies charge less for drivers older than 25 because younger drivers statistically cause more accidents
Type of Vehicle: The make and model of your vehicle will also affect your insurance rate; insurance companies look at the possibility of theft, repairs cost, price of the vehicle and safety record
Location: You will pay a lower rate for your auto insurance if you live in an area that has fewer incidences of auto theft and lawsuits, lower medical and repair costs and a lower accident rate
Annual Mileage: If you driver fewer miles than the annual average which is 10,000, you will probably pay less for your direct car insurance rate. This is because you are considered a lower risk.
Carpooling: Certain insurance companies will offer you a discount on your auto insurance if you carpool to work.
Coverage Amount: You will pay more for purchasing higher coverage
Driving Record: Anyone who has a clean driving record normally pays less for their direct auto insurance premium than motorists who have major traffic violations or have been involved in motor vehicle accidents. Just be sure you never allow your insurance policy to lapse, as this may increase the rate of your direct auto insurance policy.
Legal Requirements

If you live in the United States, you require auto insurance before you can drive. Even though certain states don’t mandate the purchase of auto insurance, they still have laws regarding financial responsibility. This means that drivers will be forced to pay for any injuries or damages they have caused if they are at fault in a motor vehicle accident. Some states require motorists to purchase not only standard liability coverage, but also uninsured/underinsured motorist coverage. This protects drivers if they are ever involved in an accident with another drive who has no or insufficient auto insurance coverage.