The best way to get affordable auto insurance is to search for quotes first and then take the time to compare them. Find out about the companies offering the quotes and decide which one offers you everything you need at a price you can afford. Since there are many companies that all claim to offer cheap car insurance, you should learn something about each of them before making a decision.
Also, don’t just look at the big insurers. There are smaller, local auto insurance companies that offer affordable quotes. And because they are smaller, they can offer their customers more personalized service.
Liability only auto insurance will always be the cheapest option as it is the bare minimum coverage required in every state. However, it only covers things like property damage and medical bills for the other people involved in an accident for which you are found responsible. What about your own medical bills? How do you get repairs on your own car? These are comprehensive/collision insurance coverage options that you will definitely want to consider.
Finding cheap auto insurance quotes isn’t just about finding the lowest monthly payment, and should only be considered if you have an old scrap car that isn’t worth the money you pay to insure it. However, you still want to keep your medical costs in mind. Another thing to think about is what would happen to your family’s finances if you were seriously injured in an accident and unable to work for an extended period of time? Some insurance quotes will also include solutions for this.
Cheap car insurance with good deductibles and premium
As with any type of insurance, there is the debate about US premiums deductible. The deductible is the insurance company’s way of making the policyholder share some of the responsibility for an accident. The lower the deductible, the higher the premium and vice versa. Determine what would be a better solution for your needs. If you are not sure, ask your insurance agent or financial advisor for advice.
You can also do some math yourself. If you were to opt for a higher deductible, how much could you save on a lower premium? Would the amount you save equal the deductible if you have an accident and have to pay some of the repair costs out of pocket?
Whatever you decide, you may still be able to save a lot of money with discounts. Each company offers different discounts and there is a chance that you will qualify for at least one. One place to go for great deals and cheap auto insurance quotes is Essurance. You can start by working with a “Coverage Adviser” to find the best coverage. Also look at Esurance discounts – there are many and you may just qualify.