For many individuals, monthly auto insurance premiums can be prohibitively high. Some people either cannot afford it at all or, even worse, attempt to live without it, despite the fact that it is against the law. Drivers put a lot of effort and time into trying to find really low car insurance rates. Using a quote and comparison tool can be helpful, but not all websites are created equal. Even if you use such a website, it’s possible that you won’t get the best prices.
Here are a few “hacks” and tips for getting the best auto insurance deals and getting cheaper quotes:
• Be aware of the factors that influence the rates and types of policies you receive. While many variables vary from company to company, a few are always taken into account: your driving record, your age, the make and model of the car you drive, the city and state you live in, how frequently you use the car you want insured, and your credit score. Some things can’t be changed, like where you live and how old you are. Make the best changes you can for those who can.
• Look for any and all discounts that are available. For instance, “affinity discounts” may allow you to save money on auto insurance if you have close family members serving in the military. By taking safety driving classes, you may be eligible for discounts in some locations. Coupons for the company and the site should also be searched for.
Additional Advice for Getting Really Cheap Auto Insurance • Consider including a driver with more experience and a clean driving record on your policy. If you are under 25 or have a bad driving record, you might be better off asking a family member with more experience and a clean driving record to join your policy. Being on the same policy as them could actually hurt their own score, so do not disappoint them or make any mistakes if they agree to this.
• When using sites that offer really cheap auto insurance quotes, know what to look for. Depending on what it does and does not cover, the lowest quote might not be the best. If you pick the wrong kind of insurance, you might have to pay more in the long run. Make sure you know what kinds of coverage are included in each quote and decide if you really need everything or if you can live without some of it. On the other hand, make sure it has everything you’ll need.