The Ultimate Checklist For Getting Cheap Car Insurance

Auto insurance is a necessity to drive in most states legally. However, finding the right policy that combines good coverage and customer service can take time and effort. Read on for our tips to help you find affordable car insurance.

Know What You Need

Many factors go into the rate you’re charged for car insurance. Some of these factors are outside your control, such as the make and model of your vehicle or your driving record. Others, such as discounts for paperless billing or being a member of an organization that offers auto insurance discounts, are within your control.

Experts suggest you shop for the best deals and get quotes from multiple providers. That way, you can find a plan that fits your budget without sacrificing adequate coverage and customer service. You can also cut costs by dropping unnecessary coverages.

Shop Around

One of the best ways to find affordable car insurance is to shop around and compare rates. This can be done with an independent agent, an online comparison tool, or visiting individual company websites.

Be sure to compare prices for the exact coverages you need. Cutting coverage or raising deductibles to save money can backfire in the long run by leaving you with large repair bills and high credit card interest.

Each insurer weighs different factors differently, so getting quotes from several companies and comparing premiums (or the price you pay for coverage) is essential. Visit to shop around.

Look for Discounts

You can save significantly depending on your circumstances and what discounts you qualify for. For example, if you have a good credit score and live in an area with low crime, your insurer may be willing to discount you. Similarly, you can often save by bundling your car insurance with home or renters insurance through the same company.

Some companies even offer a “pay-per-mile” program, which allows you to pay a lower rate based on how much you drive. That’s an excellent option for infrequent drivers, retirees, and those who use other transportation methods. Ask your agent for details. In addition, you can often save by choosing a higher deductible.

Drop Unnecessary Coverage

Car insurance is necessary but doesn’t have to break the bank. Drivers can save big by shopping around, taking advantage of discounts, and dropping unnecessary coverages.

A driver’s credit rating affects their rates. An excellent score is one of the most significant factors in getting cheap car insurance.

Drivers can also save by paying in full or setting up automatic payments. Additionally, drivers who commute less can reduce their rates by carpooling, using public transportation, or moving closer to work. Buying a smaller vehicle can help drivers cut costs, too, as they are typically cheaper to insure than more oversized vehicles.

Get a Telematics Device

Some insurers allow drivers to lower their premiums using a telematics device that tracks driving behavior. The data creates a bespoke insurance policy customized for each driver. This can save you money over traditional car insurance policies that rely on estimates to determine risk.

Telematics devices can help drivers save up to 30% on car insurance. However, the programs may be best for those who drive fewer than 10,000 miles annually. 

Drive Safely

Keeping a clean driving record and participating in an insurer’s usage-based program that monitors your vehicle and driver behavior could help you save big on car insurance. 

Other things that affect your rates include credit rating, zip code, and coverage types. Dropping unnecessary coverage and boosting your deductible can also help slash auto insurance premiums.

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