Car insurance can be an expensive bill for many people each month. Some people can barely afford it, or worse, try to do without it, even though it’s illegal to do so. Trying to get really cheap car insurance is something drivers spend a lot of time and effort on. While using a site that offers quotes and comparison tools can be helpful, they are not all created equal. Even if you use such a site, you may not get the low quotes you want.
To get cheaper quotes, here are some tips and “tricks” for getting deals on auto insurance:
• Learn the factors that affect the types of policies and rates you get. While many factors vary from company to company, there are a few that are always considered: your driving record and history, age, make and model of the vehicle you drive, city and state, how often you use the vehicle you want to insure, and credit score. Some factors, like where you live and how old you are, cannot be changed. For those who can, make improvements to the best of your ability.
• Ask for each and every one of the possible discounts. If you have close family members in the military, for example, you could get reduced auto insurance yourself because of “affinity discounts.” In some areas, you can get discounts by taking safe driving courses. Look for site and company specific coupons as well.
More tips for really cheap car insurance
• Try to add a more experienced driver with a clean driving record to your policy. If you are under the age of 25 or have a poor driving record, it is in your best interest to ask a family member with a clean driving record and more experience to join your policy. If they agree to this, DO NOT let them down or make any mistakes, as being in the same policy as you could hurt your own score.
• Know what to look for when using really cheap auto insurance quote sites. The lowest quote you get may not be the best, depending on what it covers and what it doesn’t. You could end up paying more money in the long run if you choose the wrong type of policy. Understand what type(s) of coverage each quote includes and decide whether or not you really need it, or if there is one you can do without. On the other hand, make sure you are NOT MISSING anything you WILL NEED.
Whenever you think you’re ready to start looking really cheap car insurance, use a reliable and quality website. A site recommended by many people is Esurance. There are discounts of all kinds available, so check around and see if you qualify for any of them.
