Free Guide to Paying Less for Cuba Car Insurance Online

No one looks forward to paying for car insurance, especially when they are paying too much. Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

Vehicle Insurance Comparison

Getting better car insurance pricing is surprisingly easy. Consumers just need to spend a little time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to find low rates is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating boring form submissions to each individual car insurance company. Just one form gets rate comparisons from all major companies.

Another way to shop for car insurance online is spending the time to visit each individual company website to complete a price quote. For example, let's say you want to compare , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Cuba, click here.

The least recommended method to get comparison rates is driving to different Cuba agent offices. Shopping for car insurance online makes this process obsolete unless you require the professional advice only provided by licensed Cuba agents. However, consumers can compare the best prices online but buy from a local insurance agent and we'll talk about that later.

It's up to you which method you use, but be sure to compare exactly the same information with each company. If you have higher or lower deductibles it will be impossible to make an equal comparison in Cuba.

Tips to Get Lower Cuba Rates

It's important that you understand the different types of things that help determine your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.

  • What are your deductibles? - Deductibles for physical damage represent how much money you are required to spend before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more money you have to pay, the lower your rates will be.
  • How's your driving record? - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Even one speeding ticket can bump up the cost twenty percent or more. Drivers with flagrant tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Pleasure use saves money - Driving more miles each year the more you'll pay to insure your vehicle. Almost all companies rate vehicles based on their usage. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Safer cars are cheaper to insure - Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Homeowners Savings - Owning a home in Cuba can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • New Car Discount - Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way. But any discount will reduce the amount you have to pay.

For a list of insurers who offer car insurance discounts in Cuba, click here to view.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone's needs are different so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Should I buy only the required New Mexico minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It's fast, free and can help protect your family.

More information is available on the website for the New Mexico Insurance Division located here. Consumers can report car insurance fraud, file complaints about a company, file complaints about an insurance agent or broker, and find disaster information.

New Mexico car insurance

And the best car insurance company is...

Affordable car insurance can be purchased from both online companies as well as from independent agents in Cuba, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and usually these smaller companies provide coverage only through local independent agents.

We just showed you some good ideas how you can lower your car insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best price on car insurance is with a small local company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like .

As you restructure your insurance plan, it's not a good idea to reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.