Car insurance can be an expensive bill for many people every month. Some people can barely afford it, or worse – try to do without, even if it’s illegal to do so. Trying to get really cheap car insurance is something motorists put a lot of time and effort into. While it can be helpful to use a site that offers quotes and comparison tools, not all are created equal. Even if you use such a site, you may not get the low quotes you want.
To get cheaper quotes, here are a few tips and “hacks” for getting auto insurance deals:
• Know 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 taken into account: your driving history and history, age, model and make of the vehicle you drive, city and state, how often you use the vehicle you want insurance, and credit score. Some factors, such as where you live and how old you are, cannot be changed. For those who can, make improvements as best you can.
• Check for any possible discount. For example, if you have close relatives in the military, you can get a reduced car insurance policy yourself because of ‘affinity discounts’. In some areas you can get discounts by taking driving lessons. 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 poor driving experience, it may be in your best interest to ask a family member with sparkling clean driving and more experience to join your policy. If they agree, DO NOT let them down and make no mistakes, as you are following the same policy that you could hurt their 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 does and doesn’t cover. You could end up paying more money in the long run if you choose the wrong kind of policy. Understand what kind of coverage each quote includes and decide if you really need it all, or if you can do without it. On the other hand, make sure nothing is missing that you WILL need.
When you think you are ready to start looking for a really cheap car insurance policy, use a quality, reliable website. One site that is recommended by many people is Esurance. There are all kinds of discounts available, so check if you qualify for one of these discounts.