Money-Saving Tip: Buy Cheap Car Insurance Online
To find the cheapest car insurance for your situation, compare rates from several insurance carriers. The Internet makes it easy to get quotes from different carriers in minutes. Insurance experts recommend comparing rates once a year to make sure you continue to get the cheapest auto insurance.
When you ask for quotes you need to provide the make, model, year, and vehicle information number (VIN) of each vehicle you want to insure. You also need to provide the age, gender, and driving records of everyone you want covered. Some insurance companies may also ask if you garage your car or have theft protection devices. Insurance companies can easily check your driving record and insurance history, so you best bet is to tell the truth.
You can save money on cheap insurance if you think about auto insurance as catastrophic coverage, and not for minor scratches and dents. That’s because increasing your deductible lowers your premium. Before you buy think about what you really need.
You are required to have bodily injury liability, which covers medical expenses, pain and suffering, and legal costs for people injured in a situation you cause. Property damage, also required, pays for damage your vehicle causes to another person’s property. You also must have uninsured or underinsured motorist coverage, which covers the expenses of people in your vehicle (including yourself) who are injured by a driver who has little or no car insurance.
You are not required to have collision and comprehensive coverage, which covers the cost of the repair or replacement of your vehicle no matter who caused the damage. You will want this coverage if you have a new or late model vehicle. You may want to cancel this coverage once the cost of the insurance reaches ten percent of the book value of your car, since you won’t collect much.
Depending on your personal medical insurance you may want to also want personal injury protection or medical payments coverage. You may want to add rental reimbursement and roadside assistance, but you probably do not need it if you have coverage through an auto club membership.
Following are some other considerations in your search for cheap auto insurance. You may qualify for a discount if you buy auto and homeowners or renters insurance from the same carrier. Rates vary by car make and model, so check rates before you buy. You may be able to find a car that meets your needs and qualifies for cheaper car insurance.
A bad driving record makes it harder to find cheap car insurance. You may be able to erase points by taking an authorized driving school course. Senior citizens who take brush-up driving classes may also qualify for better rates. Always ask for the best rates available to you.
Across the country many drivers pay as much as twice as much for car insurance than they need to. By comparing rates of several insurance carriers and purchasing only the coverage you need, you can find cheap car insurance that meets your requirements.