Auto insurance can be an expensive bill for many people each month. Some people can barely afford it, or worse – try to go without it even though it’s illegal. Trying to get really cheap car insurance is something drivers spend a lot of time and effort on. Using a site that offers citation and comparison tools can be helpful, but not all are created equal. Even if you use such a site, you may not get the low prices you want.
To get cheaper quotes, here are a few tips and “tricks” for getting deals on car insurance:
• Know the types of policies you receive and the factors that affect rates. While many factors vary from one company to the next, there are always a few factors to consider: your driving record and history, your age, the make and model of the vehicle you drive, the city and state, how often you drive the vehicle you wish to insure, and your credit score. Some factors cannot be changed, such as where you live and how old you are. For those who can, make improvements whenever you can.
• Check for any discounts available. For example, if you have a close family in the military, you can get discounted auto insurance yourself because of “proximity discounts.” In some regions, you can get discounts by taking safe driving courses. Also look for site-specific and company-specific coupons.
More Tips for Really Cheap Car Insurance
• Try adding a more experienced driver with a clean driving history to your policy. If you are under 25 or have a poor driving record, it may be in your best interest to ask a family member with a sparkling clean driving record and more experience to join your policy. If they accept this, don’t let them down and DO NOT make any mistakes because being on the same policy as you can actually hurt their own score.
• Know what to look out for when using really cheap car insurance quote sites. The lowest quote you get may not be the best, depending on what it covers and doesn’t cover. If you choose the wrong type of policy, you may end up paying more in the long run. Understand what kind of coverage each offer includes and decide whether you really need it all or if there is anything you can do without. On the flip side, make sure that nothing you will need is MINUS.
When you think you’re ready to start looking for really cheap car insurance, use a quality, reliable website. A site recommended by many is Esurance. All kinds of discounts are available, so check to see if you qualify for any of them.