10 Ways to Get Cheap Car Insurance That's Actually Good
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1. Shop Around for Car Insurance and Get at Least Three Quotes
Start the process by shopping around. The more insurance companies you check for a quote, the more options you give yourself. And while many car insurance policies have similar coverage, there can be some key differences. When looking at car insurance quotes, try to get a quote from at least three different companies.
|Created||Cars||Customer||Carrier||Monthly premium||Amount saved||Type of coverage|
|January 25, 2021||56 year old female||Progressive||$122.48||$117.52||Preferred|
|January 29, 2021||23 year old female||Allstate||$168.55||$45.19||Standard|
|November 29, 2020||21 year old male||Progressive||$97.31||$127.69||Basic|
|December 2, 2020||25 year old male||Allstate||$115.12||$434.88||Preferred|
|January 4, 2021||23 year old male||Safe Auto||$59.67||$129.33||Basic|
|February 19, 2021||30 year old male||Aspire Advantage||$57.53||$140.47||Basic|
|December 9, 2020||46 year old male||Progressive||$156.65||$143.35||Standard|
You should also research the car insurance companies you’re interested in using. Rating companies, such as A.M. Best and Standard & Poor’s, can give you information on the financial stability of the insurance companies on your list.
2. Compare Costs with an Insurance Broker
When searching for cheap car insurance, start by getting some quotes from various companies. These cheap car insurance quotes allow you to compare what the car insurance companies have to offer and the price differences between coverage plans.
Jerry allows you to easily compare cheap car insurance plans and what they offer, then make the best choice for your insurance needs. Whether you just need liability insurance or require comprehensive and collision coverage, an insurance broker can make the search way easier.
3. Reduce Coverage on Your Older Cars
If you have an older car, you should consider lowering or even dropping some of your coverage. This is especially true if you’ve paid off your current vehicle and its value has dropped significantly. If you’re a safe driver, you can probably drop the extra coverage when the cost of it is 10 percent or more of the value of your car.
Of course, if you still owe on your car or lease, this is not an option. Most dealers and leasing agents require you to carry full coverage on your vehicle to cover their losses if you’re in an accident.
4. Ask Your Insurance Company for a Higher Deductible
Another way to reduce the cost of your car insurance is to raise your deductible. When you’re in an accident, you must first pay the deductible before your insurance company will start paying for any damages beyond this amount.
By paying a higher deductible, you reduce the amount you have to pay out in an accident. This results in savings when it comes to your premium. Depending on your initial deductible amount, you can end up saving 40 percent in some instances. Just make sure you have enough to cover the increased deductible.
5. Improve and Maintain Your Credit Score
Improving and maintaining your credit score can also result in lower car insurance premiums. Drivers who effectively manage their credit tend to have fewer claims. In addition to paying your bills on time and keeping your credit card balances low, you should also check your credit record regularly and correct any inaccuracies.