Sports Car Insurance

We make auto insurance convenient and affordable - you can save money every month!

You may think car insurance is very expensive. Costs seem to rise every year. The truth is, you have to know where to look to find low rates. We make the process of finding a affordable plan with the maximum of benefits quick and easy. Use our online quote form to begin your search for a low cost auto insurance plan that fits your budget.

There are a lot of factors that go into your car insurance costs that are under your control. Here are a few things to keep in mind when shopping for auto insurance:

1. Type of car
Every car sold in the US has a damageability factor assigned to it. It is usually higher for more expensive cars. Therefore, the more expensive the car, the more it costs to insure. However, some cars have very low damageability. For example, most of the mini vans have low damageability. That is why a $30,000 mini van will cost much less to insure than a $30,000 Lincoln LS. The cars cost the same but the rating factors are different. That is why it is important to compare insurance premiums before you buy that new car.

2. Deductibles
Deductibles can keep your insurance costs down. When comparing deductibles, decide how much of an increase in deductible (which is money out of your pocket in the event of a claim) compares with the actual cost savings. Some times, it isn't worth taking the higher deductible - sometimes it is!

3. Coverage Options
The term "Liability coverage" is normally referred to when discussing bodily injury, property damage, and uninsured motorists coverage. You can purchase state minimum limits (which we do not recommend) all the way up to $500,000 of coverage. Higher coverage costs more. It is usually a much better buy to purchase higher limits. For example, liability limits of 100,000 per person, 300,000 per accident is more than twice the coverage of $50,000 per person and $100,000 per accident. However, the additional coverage may only cost about 15% more.

4. Driving Record
Just about all companies will charge you more premium for accidents that are considered your fault and all moving violations. It pays to be the safest driver you can be.

5. Insuring Your Teen Age Son or Daughter
This relates to the type of car and their driving record. If you have an expensive car, your teenager will cost a lot to insure. You may want to consider purchasing an older less expensive car for your new driver. You can really reduce your costs if you purchase a car and only carry 'liability only'. The downside is that the risk of damage to the car is yours. Our representatives can help you compare different rates scenarios for your teenage driver or you can do it yourself on our web page.