Is there such thing as very cheap auto insurance?
Finding cheap auto insurance depends on a lot of factors, but you can get a better price by shopping around. Compare quotes from the top companies and save up to $859.
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UPDATED: Jul 16, 2021
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- The car model is one of the most important aspects of your car insurance rates
- If you have a clean driving record, you will be able to get a good rate
- Bundling insurance policies, home and auto, is a great way to cut the cost of your car insurance
- Shop around and use the Internet to compare prices online and don’t be afraid to ask for a discount
Auto insurance can be a saving grace in an accident. Compare FREE auto insurance quotes today with our ZIP code search! If you have recently taken a look at your bill, you might ask yourself if there is a way to get cheaper auto insurance.
We have seen online ads that offer a monthly rate of next to nothing. But are those ads real? The short answer is “probably not.”
What affects my auto insurance rate?
The car model is one of the most important aspects of your car insurance rates. A car insurance company is not going to insure a Ferrari for the same rate an Astrovan. The value of these two cars is on opposite sides of the spectrum.
One of the most important parts of the rate is the value of your car.
How many speeding tickets have you had in the past? Have you had a DUI? These are very important in determining your rate because they can increase the risk of insuring your vehicle.
If you have a clean driving record, you will be able to get a good rate. But a clean record does not mean that your rate will be astronomically low.
The coverage to your vehicle and property damage can play an important role in your insurance rate also.
If you want full coverage of your car and a high coverage rate on property damage, the rate will be much higher than just getting a liability plan. Remember that a liability plan only covers the vehicle that you hit.
The location of your car is another aspect of car insurance that will affect your rate. Insuring a car in a high crime city, where stolen cars are a problem, will be much more expensive than insuring the car in a suburban town.
Cities like New York, Chicago or LA will have high insurance rates simply because there are more people. This increases the chance that you will get into an accident.
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How do I find auto insurance rates?
Shopping for auto insurance online is one of the easiest ways to see how much you will need to pay for your insurance rate against the coverage types that you want.
These services allow customers to compare the rates of one company against another. You can try our FREE quote comparison tool today to see if you can save on your current policy!
There are companies that offer good driving discounts. These auto insurance discounts are made available to drivers who do not have moving violations on their records.
A good driving discount will save you money in the long run and also help improve future quotes.
Many companies will also lower your rate if you have been with them for a specific amount of time.
Bundling insurance policies is a great way to cut the cost of your car insurance. If your home insurance company offers car insurance, ask them for a quote.
Bundling can generally save you anywhere from 10-15 percent on your rate. Companies love to do this because they are getting more business out of one customer.
If you have been with the company long enough, you might be eligible for a discounted rate. Ask the customer service representative if you qualify.
A quote is essentially a quote. Once an insurance company locks into a rate, they have shown their hand.
Don’t be afraid to tell them another company has offered you a lower rate.
They will most likely match the rate or offer you something a little lower.
Many people don’t realize that you can negotiate with an insurance company. Always remember that it doesn’t hurt to ask.
Your credit score affects everything in life. Your car insurance rate is no different.
When the rate is configured, the insurance company will check your credit score. You can potentially get a discounted rate because you have good credit.
Pay your bills on time and run a yearly credit check on yourself.
Are the cheap auto insurance rates worth it?
Have you ever heard the phrase “you get what you pay for?” Car insurance is an important part of being a driver.
Knowing that if you got into an accident you would be covered will let you sleep a little easier. Find the best price you can with our FREE ZIP code search!
The cheap auto insurance rates that you see online may not be what you think. Those rates might apply to somebody who has perfect credit, a worthless car, no moving violations and a liability only plan.
Don’t cheat yourself out of coverage. At one point or another, everybody has a fender bender. The last thing you want is to get stuck with a bill you can’t afford.
Shop around and use the Internet to compare prices online. Don’t be afraid to ask for a discount where they apply. Bundle your package as much as possible, and you will come out on top.
Get an accurate quote today for FREE with our quote comparison tool!