Drivers Get Better Online Pricing on Lotus Elise Insurance

Trying to find cheaper insurance for a Lotus Elise can normally be an all-consuming task, but you can use our auto insurance buying tips to find lower rates.

There is a better way to buy auto insurance and you need to know the quickest way to quote coverages for your Lotus and obtain the lowest price from local insurance agents and online providers.

It’s a good habit to do rate comparisons quite often because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates for Elise coverage on your last policy the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn some of the best ways to buy auto insurance cheaper.

Buying more affordable auto insurance coverage is easy if you know what you’re doing. If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the proper way to compare price quotes online.

How to Compare Auto Insurance Costs

Performing a rate comparison can take time and effort if you don’t utilize the best way to get rate quotes. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program where insurance shoppers only type in their quote data once, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing quote requests to each company.

To find out what other companies charge click here to start a free quote.

The one downside to getting quotes like this is you can’t choose which insurance companies to get quotes from. If you would rather choose individual companies to compare prices, we have a page of low cost auto insurance companies in your area. Click here to view list.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-120.jpg" alt=" insurance quotes” />

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles for every company. If you compare different limits and deductibles on each one then you won’t be able to find the best deal for your Lotus Elise.

Lotus Elise insurance premiums are calculated by many factors

It’s important that you understand the rating factors that help determine your auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

• Marriage pays dividends – Being married helps lower the price on your auto insurance policy. Having a significant other is viewed as being more mature than a single person and it’s proven that being married results in fewer claims.
• More than one policy can earn a discount – Some auto insurance companies will give a discount to people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to make sure you are getting the best deal. Drivers may still find better rates by buying auto insurance from a different company.
• Special features that cut premiums – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
• Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Women and men cause accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
• Never go without insurance – Driving your car without having proper coverage is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, getting caught without coverage might get you a steep fine or even jail time.

Be sure to get all your discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you quote, but a few need to be specifically requested prior to receiving the credit. If you don’t get every credit you deserve, you are paying more than you should be.

• Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Elise coverage depending on your company.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
• Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
• Club Memberships – Belonging to a qualifying organization could trigger savings when buying auto insurance for Elise coverage.
• Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Elise coverage than their less cautious counterparts.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. But all discounts will reduce your overall premium however.

For a list of insurance companies with discount auto insurance rates, follow this link.

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation might need professional guidance.

• Are rental cars covered under my policy?
• Is pleasure use cheaper than using my Lotus Elise to commute?
• Does my policy cover me when driving someone else’s vehicle?
• Does having multiple vehicles earn me a discount?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I put collision coverage on all my vehicles?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my babysitter covered when using my vehicle?
• When should I not file a claim?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The best insurance company isn’t always the cheapest

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just covered many tips how you can reduce Lotus Elise insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a small local company.

Cheap Lotus Elise insurance can be purchased online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.