GET QUOTES
(888) 263-5278
Insured?

Cheap Car Insurance: The Do's and Don'ts

Too often drivers believe cheap car insurance to be the policy with the lowest premiums. But that is not accurate. It is actually the policy that offers the most coverage at the lowest rates. You need to include coverage and costs in the equation if you want to get a truly cheap policy. When looking for this type of policy, there are specific do's and don'ts you should follow to get the best coverage for your money.

Do Know Your Insurance Needs

Simply getting the minimum amount of coverage required by state law may place you at significant financial risk if you are in an accident. It is common for drivers to mistakenly believe the other driver is responsible if they are at-fault. But what if that driver is uninsured or underinsured? Are you willing to place yourself or your family at risk? Do a thorough inventory of your insurance needs and get quotes that respond accordingly.

Do Use Online Quotes

You simply cannot know you are getting the lowest rates unless you comparison shop. And the best way to do that is with online quotes, preferably from a quotes comparison site like ours. It only takes a few minutes of your time to get and compare quotes. Using online quotes to purchase insurance is the fastest way to save money on insurance costs.

Do Ask About Discounts

Never assume the discounts are automatically included in quotes. Learn about the various discounts offered by each insurance company and verify the discounts have been included in your quote. If you are not sure, ask the insurance company. Discounts can add up to over 50% in reductions on annual premiums.

Don't Settle for Inferior Coverage to Save a Buck

It does you no good to buy a worthless policy just because it is cheap. Unless you are independently wealthy and are looking for a policy just because the law says you need one, you probably need to have some insurance that will actually benefit you. Spend a bit more money to get a policy that has substance to it.

Don't Take Them at Their Word

Just because an insurance company says they are the best does not mean they are in fact the best. You are responsible for making sure you are giving your money to a reputable insurance provider you can trust to follow through on future claims you may submit. You can easily read customer reviews online and verify the company is financially solvent.

Don't Let Your Coverage Lapse

When you are ready to switch coverage from one insurer to another, you need to do it the right way. Let your original insurance company know you are cancelling your policy. Be sure to give them sufficient notice or you will have to pay a penalty. Once you have the cancellation date, you can start your new policy. At minimum, the end date of one should coincide with the start date of the other. An overlap is better than a gap in coverage.

Cheap car insurance does not have to mean a bad policy. As long as you buy insurance that provides adequate coverage at a low rate, you have found a good deal. Use these do's and don'ts to find cheap car insurance the smart way!

Get Cheap Car Insurance Online

Get Cheap Car Insurance Online

It has never been easier to get cheap car insurance online. Find out about the steps you can take to get the lowest rates possible while still getting adequate coverage.

Read More
Cheap Car Insurance Choices

Cheap Car Insurance Choices

There are several ways you can reduce your annual or monthly premiums for auto insurance coverage. Learn about your choices when it comes to finding cheap car insurance.

Read More
Good Drivers and Cheap Car Insurance

Good Drivers and Cheap Car Insurance

Advantages are plentiful for good drivers including being able to get cheap car insurance. You can improve a variety of factors that affect insurance rates so you can get lower premiums.

Read More
Cheap Car Insurance: The Do's and Don'ts

Cheap Car Insurance: The Do's and Don'ts

When shopping for cheap car insurance, there are definite things you should do and others you should not if you want to be confident you are getting good coverage you can afford.

Read More
Cheap Car Insurance for the Family

Cheap Car Insurance for the Family

Families often spend more on insurance coverage than single drivers. But it no longer has to be that way when you discover how families can get cheap car insurance even with a teen driver.

Read More
Good Drivers and Cheap Car Insurance
Car Discounts