Be smart about your auto insurance coverage. There are many companies that offer a wide variety of discounts. You may be eligible for some that you don’t even know exist. Keep this in mind when you search for quotes and compare each company. Companies usually list the types of discounts they offer on their websites. You also have a better chance of getting really cheap car insurance if you have a clean driving record, are at least 25 years old, have a good credit score, and own a vehicle with lots of safety features.
It’s also a good idea to be smart about your coverage. For example, if you DO have an older vehicle that is currently worth less than, say, $4,000, you may not want to bother including comprehensive and collision on your policy. It may not be worth making ongoing payments because it really isn’t worth that much. However, you should always keep in mind that if something DOES happen to the vehicle, you will be responsible for repairs or buying a new one.
Another way you could potentially get really cheap car insurance is if you bundle it with another type of insurance, particularly home insurance or multi-car insurance, all with the same company. Many companies offer higher discounts to those who are willing to buy multiple policies from them. Some even offer deals on auto/life insurance packages.
Really Cheap Auto Insurance Courses
To save even more money, consider enrolling in a defensive driving course. If you successfully complete this, there is a good chance that an insurance company will reward you with a discount on your premium.
If you’re having trouble getting low quotes because you don’t have very good credit, you may very well benefit from working with a credit or debt repair company. At the very least, learn about credit repair and how you can do it yourself. Take whatever steps are necessary to show auto insurance providers that you are working to clean up your credit reports.
If you are a student, professional or member of a certain club, take a look and see what types of discounts may be available to you. Again, you never know what kind of discounts you might be eligible for. Did you know that you could potentially save money by being a responsible student with good grades? Or for being a leader in your field? Or if you are an engineer/teacher/lawyer/doctor or a member of an auto club?
The best way to start finding really cheap car insurance is to check out Esurance discounts. This is a good company that offers reasonable rates and payment options. You can get a free quote right now, in a matter of seconds.
