Cheap Car Insurance Companies
Is There Really Such A Thing?

Cheap Car Insurance Companies

Believe it or not, there ARE cheap car insurance companies, or at least cheaper ones.

If you take the time to look around and know the right questions to ask, you can definitely find what I consider a cheap auto insurance company.

But what IS a cheap insurance company?  I'm referring to inexpensive when I say "cheap," but I can think of another reason for that description.

Some insurance companies are dreadful when it comes to customer service, paying out on claims, etc., and they could be referred to in a derogatory way as cheap auto insurance companies.

But let's look at this question with the definition "inexpensive" in mind. 

We all want to save as much money as we can when it comes to insurance, and so we should. No sense wasting your hard earned cash if you don't have to.

You may not be aware of some of the simple things you can do in an effort to reduce your annual car insurance premiums. You can raise your deductible for starters!

Even though there is the possibility that you will have to pay a bit more yourself if you have an accident, you definitely have to pay more now if you carry a lower deductible. I like the sure thing!

How To Find A Cheap Car Insurance Company

The biggest tip to finding cheap auto insurance companies is to shop around. No, it is not nearly as fun as shopping for a new pair of shoes. But listen, with the money you save, you may be able to add that to your list of things to do!

Put an auto insurance broker to work for you. Let him do the legwork and come up with a few options for you. Although I like to use brokers, I still like to do a bit of checking myself. Here are a few of my favorite free insurance quote services.

The second way to find cheap auto insurance is to ask for discounts. There are a lot of things that you can use as leverage in getting a better quote. If you know the discounts available, you will be able to speak intelligently and get the best price.

Here are some of the types of discounts offered by different companies when evaluating the cost of a particular persons insurance rate:

  • multiple cars
  • combined auto and homeowners
  • long time customer
  • no accidents
  • no moving violations
  • defensive driving course
  • drivers training
  • college student away from home
  • good student
  • over 50-55 years old
  • low annual mileage
  • anti-lock brakes
  • air bags
  • anti-theft devices
  • good credit
  • higher deductibles

If you have even a few of these options in your favor, you can reduce the cost of your auto insurance premiums. Of course, the more you have, the better chance that you will be able to find cheap car insurance companies. Good luck!

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