Really Affordable Car Insurance: Tips for Finding Discounts and Other Affordable Insurance Options
Be smart about your auto insurance coverage. There are many companies that offer a wide variety of discounts. You may be eligible for some that you don’t even know exist. Keep this in mind when searching for quotes and comparing each company. Typically, companies list the types of discounts they offer on their websites. You also have a better chance of getting really cheap car insurance if you have a clean driving record, are at least 25 years old, have a good credit score, and have a vehicle with lots of safety features.
It is also a good idea to be smart with your coverage. For example, if you HAVE an older vehicle that is currently worth less than, say, $ 4,000, you may not want to bother with having a complete and collision vehicle on your policy. It may not be worth it to continually pay for a car that isn’t really worth that much. However, you should always keep in mind that if something happens to the vehicle, you will be responsible for the repairs or the purchase of a new one.
Another way you could get really cheap car insurance is by combining it with another type of insurance, particularly home insurance or multi-car insurance, all from the same company. Many companies offer greater discounts to those who are willing to buy multiple policies from them. Some even offer deals on life insurance / car insurance packages.
Really affordable auto insurance courses
To possibly save even more money, consider enrolling in a defensive driving course. If you complete it successfully, an insurance company will most likely reward you with a discount on your premium.
If you’re having a hard time getting low quotes because you don’t have very good credit, you may well benefit from working with a credit or debt repair company. At the very least, learn about credit repair and how you can do it yourself. Take whatever steps are necessary to show auto insurance providers that you are working to clean up your credit reports.
If you are a student, professional or member of a certain club, see what types of discounts might be available to you. Again, you never know what types of discounts you might be eligible for. Did you know that you could potentially save money by being a responsible student with good grades? Or for being a leader in your field? Or if you are an engineer / teacher / lawyer / doctor or a member of a car club?
The best way to start finding really affordable car insurance is to check out Esurance discounts. This is a good company that offers reasonable fees and payment options. You can get a free estimate right now, in seconds.