How to Find Cheap Car Insurance Online

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Things to Remember...
  • If you can only afford your state’s minimum, evaluate your finances every few months to increase coverage when money is available.
  • Discounts are some of the best ways to lower the costs of compulsory coverage.
  • It is often cheaper to keep a customer than to make a new one and your insurer may just offer a discount.
  • If your coverage is more than 10 percent of the value of your car, drop collision and comprehensive coverage. It is not worth insuring a car that is not as valuable. You will pay more for the insurance than to replace it.
  • When in doubt, ask questions about the coverage until you understand the answers.

When funds are tight and you have to pay your auto insurance again, have no fear, the Internet is here. The key to finding the cheapest auto insurance rates online is comparison shopping and locating discounts.

Most insurance aggregate sites include a thorough listing of insurance agencies for every state. It means customers can trust shopping online is time well spent. Focus instead on diminishing the costs of coverage.

Enter your zip code to start comparing rates now!

Buy Sufficient Coverage

While times are tough, insurance industry experts agree, it’s best not to skimp on auto insurance coverage. Skirting costs now could cost a lot more in the long run.

If you can only afford your state’s minimum, evaluate your finances every few months to increase coverage when money is available.

Another option is to increase deductibles, to keep the costs of your monthly premiums down.

One run-in with an uninsured motorist and it can spell financial disaster. If medical insurance is not within reach, consider adding medical benefits resulting from auto accidents. It is usually a nominal coverage and can save you a lot of money.

Some states require PIP coverage or Personal Injury Protection. This type of coverage provides an added financial pad in case drivers or their passengers are harmed in an accident. It is also called no-fault coverage and provides benefits toward medical bills.

Consider Discounts When Shopping for Insurance

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Imagine saving 10 to 20 percent on auto insurance without putting your family’s future at risk. Discounts are some of the best ways to lower the costs of compulsory coverage.

Consider some of the following ways to lower your monthly premium.

Traffic Safety Classes

Reduce insurance rates for a few years by brushing up on safe driving techniques. For instance, in New York State, state-approved defensive driving courses may cut insurance rates by 10 percent and shed points from a driver’s license.

Some auto insurers alert prospective and current customers of safe driving and traffic safety classes that result in discounts. Concerned about the price of classes? They can run anywhere from $15 to $300 and up.

Shop around for classes to maximize savings.

Claim Free Discounts

Drivers who manage to stay out of accidents for years at a time save heartily. Some companies drop the deductible for customers who have achieved such status. Other insurers forgive and forget and will not raise insurance rates when star drivers have a fender bender.

Try out a New Carrier

Fierce competition among insurance carriers means they use discounts to lure new customers. It’s an excellent opportunity for new customers to find excellent discounts.

Sometimes you may be able to work out a better deal with your current insurance provider if you tell them how much another company is offering you. It is often cheaper to keep a customer than to make a new one and your insurer may just offer a discount.

The More, the Merrier

As the saying goes, the more insurance policies active with one carrier, the more they reward customers.

Insurance agencies are known to give a healthy 10 percent discount just for having multiple policies with the same carrier.

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Security Devices Lower Insurance Costs

Get an alarm, a lo-jack, or an onboard security and monitoring system. Any device that deters thieves, or helps retrieves cars is one the insurance companies value. It saves them from paying out on a policy if the cops can retrieve a stolen car.

Increase Deductibles

If the costs of coverage are still pricey, consider increasing a $250 deductible to $500 or $1,000. If money is already an issue, then more than that might be too much.

For instance, if another driver sideswiped your car, making it unsafe to use, you would have to pay a $1,000 deductible for collision benefits to pay per accident. If it’s too much, consider a $500 deductible instead.

Remove Collision and Comprehensive Coverage

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Beat the blues about driving an older car or a beater. Celebrate by dropping collision and comprehensive insurance.

Collision pays benefits if the bodywork from an accident is necessary to restore your car. Comprehensive benefits kick in for non-collision events, such as theft or flooding.

Find out how much it costs to replace your car. If the coverage is more than 10 percent of the value of your car, drop collision and comprehensive coverage. It is not worth insuring a car that is not as valuable. You will pay more for the insurance than to replace it.

Don’t Be Afraid to Ask for Help

Even people who have had insurance for years get confused. When comparing quotes for coverage, take the opportunity to evaluate the customer service skills and level of customer care from the agents and brokers who respond to your quote.

Agents and brokers prove their product knowledge to receive their professional licenses. However, not all will be the best at explaining. Therefore, it’s important to evaluate each agent’s or broker’s level of service, attentiveness, knowledge and communication skill.

When in doubt, ask questions about the coverage until you understand the answers.

While insurance professionals cannot choose your coverage for you, they can explain it so you understand it. The agents who contact you are licensed in your state and know your state’s compulsory coverage.

Once you have found out about the different areas of coverage and what your state requires, you are ready to compare quotes.

It’s as simple as entering accurate information about the drivers and cars to be included on the policy. It’s a quick process online, you can compare multiple rates online.

Use our FREE comparison tool below to get started!

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