9 Incredible Ways To Get Cheap Car Insurance in 2021

Cheap car insurance

Are you overwhelmed by the car insurance costs? Do you want to look for cheap car insurance online? Insuring your vehicle is never a fun venture but it’s one that is necessary for all drivers. It is a known fact that it is at times costly to insure your car

Car insurance rates keep on increasing every year and sometimes it may seem like the prices won’t go down. Having car insurance for your vehicle ensures that you are protected in times where unforeseen events. 

In a an event of an accidents car insurance covers the costs for repairs, medical expenses or more. There are however ways to reduce your car insurance rates to save the extra money and they are;

Making Sure You Buy the Right Car To Get Cheap Car Insurance

The vehicle you drive can greatly affect your rates for cheap car insurance online. New high-end cars have high insurance premiums than old vehicles. So you should be extra careful when buying a vehicle and choose one whose insurance rates you can afford. Therefore the vehicle you have is what ultimately determines whether your car insurance rates decrease or increase

Shop Around For the Best Prices

When purchasing car insurance online, it’s important to shop around and search for the best prices that will suit your budget. This is because prices vary from company to company and many people stick to their old car insurance companies and the same agent just because it’s the easier option

So you should get at least three quotes from different companies either from those that sell through their agents, through independent agents and lastly the ones that sell directly to the customers through the internet, phone or any other media

Increase Your Deductible

A deductible is an amount you will have to pay out of pocket before your auto insurance comes in to cover the rest. It may seem like reducing your deductible is the way to go when you want to save money that will be covered out of pocket. But that isn’t always true because increasing your deductible from $500 to $1,000 could save you up to 20% annually on your premium

Therefore you should endeavour to have money saved up in the times where you do have to make a claim. So saving up money to use when the time comes will prove to be relevant in such situations

Make Sure To Maintain Good Credit History

In some states your credit score can greatly impact on your car insurance. Studies have shown a low credit score could lead to higher premiums.  Your credit score could be a risk single to the insurance company.

Many insurance providers use your credit information to price car insurance policies and research has shown that the drivers who manage their credit effectively tend to make fewer claims as opposed to those who do not

Hence since insurance companies believe that those with good and stable credit records get into fewer accidents, if you want to lower your premium, you should check your credit record regularly to make sure all the information therein is accurate.

Look for the All Available Discounts 

It is important to take advantage of all the discounts that are available to you. Looking for discounts is the best and easiest way to lower your insurance rate. Insurance companies offer numerous discounts and it’s up to you to search for the best online cheap car insurance.

So when looking for insurance discounts, you have to know that some are obvious and you might already know about them.  For example, the good student discount for teenage drivers or the ones for those who have taken a defensive driving course.  For people above the age of 50 and 55 or are retired. And others are less obvious and you have to ask your insurance companies or agents about it

Cheap Car Insurance Through Group Membership

Some insurance companies provide discounts to those drivers that buy insurance through a group membership.  These include alumni groups, associations, employers or more. So if you are a part of an organization, check to see what they offer in case you might get a reduction on your insurance hence saving money

Opt For Safety Features To Get Cheap Car Insurance

Not only is it beneficial to have safety features installed in your vehicle like dashboard cameras, airbags, brakes, automatic seatbelts, an alarm system or more, it’s also safe.

This is because it both protects you in times of accidents but you can also get a discount from your insurance carrier for simply having them installed. Therefore always opt for safety features that are meant to reduce the risk of injury in time of accidents

Look for a Coverage That Suits Your Driving Habits

If you want to get cheap car insurance online or lower your premium, you should consider choosing a plan that is perfect for you judging by your driving habits. While some people don’t like driving that often, others love driving every time they want to go somewhere. So get an insurance policy with that in mind

Those who don’t drive that often can get a plan that is based on the number of miles they drive. Some companies like Metromile, Allstate and more offer pay-per-mile insurance.

Experienced and safe drivers can take advantage of all available discounts.  Drivers who have completed a defensive driving course. Hence, take a look at your driving habits and choose a plan accordingly

Drive Safely While Maintaining a Clean Driving Record

This is an easy way to lower your insurance rates. All you have to do is drive safely every time you use your vehicle. You can do this by paying attention to whatever is going on around you and not getting distracted. Avoid being on the phone or anything else

Therefore the better driver you are, the more likely you will be to save money on online car insurance. This is because drivers with clean driving records with fewer accidents or traffic tickets.  Therefore they may qualify for safe driver discounts

All in all, if you want to save money on your car insurance, you have to make sure you pay attention to your driving and search for different policies and discounts. Therefore, the above tips are the best ways of saving money on your car insurance premiums


Quotes Pilot content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

5 Important Tips You Should Know About Online Car Insurance

car insurance facts 2020

If you want fast and reliable service when purchasing online car insurance while being able to compare several quotes to find one that suits you.  Getting a car insurance online is the best option for you since it enables you to purchase insurance at your own time. This is a great option as it saves you both money and time

Car insurance is a form of protection when unforeseeable events occur like accidents. It helps cover the repairs, rental fees, medical payments and more. Car insurance is important since it shields you from having to pay costly claims out of pocket

Getting Car Insurance Quotes Online

Car insurance quotes are the estimate of the price you will pay for an insurance policy.  it is calculated based on several factors including your driving history, your age, the car you drive and more.

Getting free car insurance quotes online is one of the simplest ways of shopping for insurance. This is because most companies provide free online insurance quotes like Allstates and State Farm

Therefore when purchasing car insurance online, you have to provide certain information like your driver’s license number, the make, model and year of your car as stated by the Insurance Information Institute.

Other information you may be asked to provide are your car’s mileage and its safety features

Pros and Cons of Online Car Insurance

Pros

When trying to buy online car insurance, it’s important to know its pros and cons to be fully prepared before making a purchase. It’s extremely convenient since you can purchase anytime and anywhere.  You will not be restricted to between 9-5. This is beneficial for those individuals who have busy lifestyles and want to save the time. It will save your time from having to visit an insurance agent.

Another pro is that you can ask questions online since the internet pretty much has all the information you might need about any given thing. So all you have to do is get your computer, start searching and get answers to any questions you may be having

You have instant access to insurance documents. You can print car insurance proofs online at the point of purchase. This is because everything has become simplified due to the advancement of technology

It also saves you money since by purchasing insurance online.  You will also save time and you can get a quote from anywhere

It also lets you compare different quotes from several insurance providers in one session and can help you adjust the policy details to be able to see different prices

Cons

It can also prove to be a hurdle since it’s difficult to speak with a person. Even though it’s amazing to do everything online, sometimes you may need to get a hold of a real person

You also need to have prior knowledge of insurance since you will be asked numerous insurance questions and you have to research the answers beforehand hence it’s relevant to have an agent to save the time that may have been spent on research

You are required to file a claim on your own in case of a loss.  When you have an agent, you won’t have to worry about this because the agent does it for you

Having basic computer knowledge to be able to navigate your computer, search for the best insurance and then make a purchase. It’s better to have an agent do this for you

Car Insurance Coverage

It’s important to compare coverages before purchasing and assessing how much you are likely to pay. The coverages are;

Liability insurance coverage: this is required in nearly all states to be able to legally drive a vehicle. It consists of bodily injury liability coverage which covers other people’s injuries resulting from an accident you caused.

Property liability coverage: which covers the damage to other people’s property after an accident

After deciding your liability coverage limits, you have the option to purchase optional coverages in some states. While in others some of them may be compulsory and it depends on the state you live in. They include;

  • Comprehensive coverage
  • Collision coverage
  • Personal Injury Protection(PIP)
  • Uninsured or Underinsured motorist coverage

Therefore your car insurance will cover different costs and it isn’t only the ones listed above

Look for Cheap Insurance

Just because you have found cheap car insurance online doesn’t mean it’s the right one. What you have to do is look at the terms of your policy and see if its equivalent to your last policy. You have to consider the coverages offered, the discounts available, the deductibles and any additional customizable features

When searching for discounts, keep in mind that different companies have different insurance premium discounts and they depend on some factors like your lifestyle, driving habits and more

You should therefore shop around; ask for quote prices from at least three insurers before deciding. Compare and choose the best one

What Determines the Price of Car Insurance?

After choosing a policy and getting a quote, insurance companies calculate your cost relying on several factors like;

  • Your driving record
  • Your driving habits
  • The vehicle details like make and model
  • Your location
  • Your coverage history
  • Deductible amount since a high deductible may lower your rate

Bottom Line         

Therefore as much as it’s easy and convenient to purchase your insurance online, there are certain things you must be aware off. You have to analyze the pros and cons of shopping for insurance online. How it’s better than the service you were using before. If it seems the better option, then you should look for the best quote and compare it with other providers to get one that is perfect for you

Quotes Pilot content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

A Guide To How Much Car Insurance You Really Need

how-much-car-insurance-do-you-need.

Have you recently bought a vehicle? Are you wondering if you need car insurance and for how much? The answer is, you do need car insurance to protect you in case  like accidents or natural disasters. Most people know about health and life insurance but do not research car insurance as much.

If you have a car and  car insurance should be a priority. Before purchasing car insurance online, you have to know the different types of car insurance.  How much you may need to pay and what coverage best suits your specific needs. This article sheds a light on these things

Car insurance is a contract between you and your insurance provider protecting you from any losses after an accident.   Car insurance companies offer different coverages

The car insurance provider pays for any damages after the accident. There are over 6 million car accidents per year according to the National Highway Traffic Safety Administration.  Car insurance protects you from potential accidents that you may not be ready for

Car Insurance Terms

It’s important to be well-acquainted with the different terms of car insurance when looking for online car insurance and they include;

Car Insurance Premium

This is the amount that you pay for your insurance coverage. You may be required to pay monthly, quarterly or annually depending on your insurance provider. The premium may vary or change depending on your age, deductible, type of insurance, driving history or more

Deductible

This is the portion of the damages you are required to pay before your coverage comes in to cover the rest

Fault and No-Fault Insurance

There are 12 states with no-fault insurance and this insurance is typically where insurance companies compensate its policyholders regardless of who is at fault in the accident while fault insurance is where each person who was at fault for the accident bears the liability for damages and injuries and it’s also referred to as a tort-based system

The Coverage Limit

This is the minimum amount your insurance providers will pay for the insurance coverage meaning that if you exceed the limit, then you will have to pay for the remaining costs

Car Insurance Coverage Categories

Car insurance is made up of different coverages that protect you in different circumstances and not all of them are always required. They are;

  • Liability Coverage: This is the most common type of coverage and it covers damages for injuries and damages to property after an accident if you’re legally responsible for it. It consists of two types of coverages which are Bodily Injury Liability and Property Damage Liability. The former covers the injured party’s injury-related expenses like medical bills, lost wages or more. While the latter covers the expenses incurred for the damages to another person’s home or property
  • Personal Injury Protection(PIP): which covers the medical expenses of you or your passenger after an accident
  • Uninsured and Underinsured Motorist: coverage which covers the costs incurred after an accident where the person at fault is uninsured or has minimal coverage
  • Collision: This covers the costs for repairs to your vehicle after an accident
  • Comprehensive:  which covers the expenses that result from your car being stolen, vandalized or due to natural disasters

There exist other coverages that you may opt for which are roadside assistance, umbrella insurance, pay-per-mile coverage, mechanical breakdown and more according to your preferences

Why You Need Car Insurance

It’s extremely important to have online car insurance for extra protection in times of accidents and natural disasters. You need car insurance because of the following reasons among others;

  • For financial protection, purchasing car insurance online can protect you from future catastrophes and the burden of paying for damages since your insurance company will pay for it saving you from having to pay large sums of money
  • It is a legal requirement. Laws vary from state to state and what is required in one state is not necessarily the same in another. However, most states require drivers to carry at least liability coverage. Other states require every driver to carry insurance and if they fail to, they won’t be compensated for the damages

Failure to Have Car Insurance

Driving with car insurance in place is a requirement in most states and failure to do so can lead to many consequences both financial and criminal. If your car is uninsured and you lend it to someone, you are putting that other person at risk. As this point they be driving a car without car insurance

If you are stopped by a police officer for a traffic violation and you are found not to possess car insurance, you may get a ticket for not having car insurance as required by every driver. The officer may  ask for your car to be towed depending on the laws and regulations of your state.   You may be required to appear in court to enter a plea

The penalties may vary from state to state. Therefore it is  better to have car insurance to avoid all of the consequences that may ensue later on. If car insurance is costly for you, you may search for cheap car insurance online by shopping around. Compare quotes to get the best price to suit your needs

 

Quotes Pilot content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation