Affordable Auto Insurance And How To Get It
All car owners need insurance so why not get the most affordable auto insurance? There are
several things that you can do to obtain the most affordable car insurance, and we will
explain these in detail here.
There are always a lot of commercials on TV claiming that the company advertising can offer
you really cheap auto insurance. But do not accept this as a fact. The truth is that you will
find that the quotes you receive from different insurers for the same cover will vary a lot. It is
in your interest to compare car insurance quotes.
A lot of car owners in the USA do not compare car insurance quotes. They are probably
paying a lot more than they should be. So you need to be prepared to shop around so that you
can obtain the most affordable auto insurance.
Are you entitled to Auto Insurance Discounts?
One way to obtain low cost auto insurance is to check for discounts offered by insurance
companies. A lot of insurers will provide a discount to you in the following circumstances:
Your driving record is clean
You are willing to accept your insurance documents online
You will go for an insurance bundle such as auto insurance and homeowners
You pay for your 6 or 12 month premium upfront rather than monthly
You insure more than one car on the same policy
You install approved safety and anti theft devices to your car
You belong to a specific affiliate group or professional organization
If an auto insurance company offers a discount then it is still a good idea to compare the final
premium with other companies. Discounts are great but they don’t always mean you end up
with the cheapest insurance.
Try Local Car Insurance Companies
A lot of Americans think that going with the large car insurance companies is the best option.
But often they will not provide you with the most affordable insurance. It’s a good idea to
check with local insurance companies such as Erie Insurance and Auto-Owners Insurance.
To find more local companies just use your favorite search engine and type “cheap car
insurance near me”. You will get a lot of local results and you can call the companies and
compare the different car insurance quotes
For Older Cars Minimize your Cover
If you have an older car which does not have a lot of value then you can obtain more
affordable auto insurance by minimizing your cover. You need to decide whether you really
need comprehensive cover and collision cover.
With comprehensive cover the insurance company will pay for the repairs to your vehicle in
the following circumstances:
An animal crashes into your car
Severe weather causes damage to your car
Someone vandalizes your car
Someone steals your car
Fire or flood damages your car
If you go for collision cover then the insurance company will pay for the repairs if you
collide with another vehicle or hit a solid object which causes damage. With both types of
cover the maximum payout will equal the market value of your car. So is it really worth
paying the extra for this coverage?
Affordable Auto Insurance through increased Deductible
With collision and comprehensive cover for your car there will be a deductible. You will
have to pay this if you make a claim. Most car insurance companies will offer you the choice
to increase the deductible for a lower premium.
Consider a Pay Per Mile or Usage Based Policy
If you don’t drive more than 10,000 miles annually then there are auto insurance companies
that will insure you for less. Two examples of this are Esurance Pay Per Mile and Metromile.
These are not available in all states so you need to check if you are eligible.
A lot of car insurance companies will reward safe drivers. Some of them have usage based
programs that you can sign up for to qualify for low cost auto insurance. The larger insurers
such as State Farm, Allstate and Progressive have these programs. They will track your
driving habits and reward you with discounts for safe driving.
So now you have a number of ways to save money on your auto insurance. You need to take
action and compare auto insurance so that you can be sure of the best deal. So follow the
advice here and maximize your chances of obtaining the most affordable auto insurance.
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