Car insurance can be an expensive bill for many people each month. Some people can hardly afford it, or worse – try not to, even though 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 using a site that offers deals and comparison tools can be helpful, not all are created equal. Even if you use such a site, you might not get the low deals you want.
To get cheaper quotes, here are a few tips and “hacks” to get auto insurance quotes:
• Understand the factors that affect the types of policies and rates you receive. While many factors vary from one company to another, there are some that are always considered: your driving practice and history, age, model and make of vehicle you drive, city and state, how often you use the vehicle you drive want to insure and creditworthiness. Some factors, such as where you live and your age, cannot be changed. For those who can, make improvements as best you can.
• Look for all possible discounts. For example, if you have close family in the military, you may be able to get reduced auto insurance even because of “affinity discounts.” In some areas you can get discounts by taking driving safety courses. Also look for location-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’re under 25 or have a bad driver’s license, it might be in your best interest to ask a family member with a clean driver’s license and more experience to join your policy. If they are ok with this, do NOT let them down and do not make mistakes because following the same policies as you could hurt their own bottom line.
• Know what to look for when using websites that offer really cheap car insurance deals. The lowest offer 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 type of policy. Understand what type(s) of coverage each offer includes and decide if you really need it all or if you can do without any. On the other hand, make sure you don’t lack anything you need.
Whenever you think you’re ready to start looking for really cheap car insurance, use a quality, reliable website. A site recommended by many people is Esurance. All kinds of discounts are available, so check if you qualify for any of them.