Guide to cheap car insurance rates to understand your options, laws and discounts

There are many things you can do to lower the price of your car insurance: invest in a safe, economical car, keep your driver’s license clean, install anti-theft devices, combine policies, take a defensive driving course, etc. If you do everything you can to keep a clean logbook. You can easily find cheap car insurance rates online.

If you don’t typically drive much or have to travel very long distances to and from work, then it might be a good idea to get usage-based car insurance. This type of policy is designed to create a premium based on how often the individual drives, not who they are. The less you drive, the less likely you are to be involved in an incident.

Always be smart about your insurance coverage. If your car is only worth a few hundred dollars, or at least less than $4,000, you may not even need comprehensive and collision insurance in your policy. These types of coverage are designed to protect the physical integrity of your car or truck, but if it’s not worth that much anyway, you may be wasting money on coverages you don’t need.

Cheap car insurance rates online

Thanks to the internet, finding cheap car insurance rates has never been easier. In fact, many companies allow you to get and compare multiple rates at the same time. Determine which offers the exact type of coverage you need at a price you should be able to afford. Also, check which company is offering discounts you are eligible for. Every business should have a “discounts” section on their website for you to check out.

If you already have home insurance, a multi-policy discount might be right for you. Does your home insurance offer a bundled package that also includes car insurance? Or if you are not happy with your home insurance, when looking for car insurance you should look for a new policy from another company and combine them.

Sometimes your actual credit score plays a role in whether or not you get cheap car insurance rates. If you are struggling with your credit and have a low score, you may not be able to get insurance as affordable as you would like. However, this practice is considered discriminatory in some states. So make sure you understand the laws in your area if you feel you are being discriminated against because of credit issues. It’s still a good idea to try to improve your credit and catch up on your bills, even if that doesn’t stop you from getting cheap insurance.

So where do you start looking for cheap car insurance rates? One place to check is Esurance. They offer excellent service and discounts for car + home bundles. Even if you just need car insurance, you should be able to find a good deal. There are numerous Esurance discounts for all types of drivers.