These days every US insurance company worth their salt provide free and instant online quotes. To find the cheapest quotes online, you need to know what you want before you start. Take plenty of time to shop around for really comprehensive car insurance and save money the smart way.
What kind of discounts might I be entitled to?
There are all sorts of discounts that you might be able to secure. Here are the most typical discounts that you can claim if you are eligible.
Retiree discounts - Statistics show that retired people are usually safer drivers and use their vehicles less frequently than a typical driver. Less exposure to risk means lower car insurance prices!
Safe driver discounts - The better your driving record, the less you pay. It’s as simple as that.
New car discounts - Insurance companies view new vehicles as less of a risk so if you’re in this category it can’t hurt to ask. Right?
Low mileage discounts - If you work from home or just don’t use your car more than 2 or 3 times a week you could be entitled to a low usage discount. There will be a mileage restriction on this (the maximum is usually 10,000 miles a year).
Annual payment discount - If you are fortunate enough to be able to pay for a year’s car insurance upfront, your insurer may reward you for this with a discount.
Electronic funds transfer discount - If you arrange to pay your monthly payments by an automatic transfer, you could bag a discount.
Are there any other ways to save money?
We strongly recommend that you take the best insurance policy that you can afford, but there are different types of cover offered and some aspects are not essential.
Personal Injury Protection is only a compulsory requirement in 14 or so states. If your state does not require you to have this coverage, you will likely be covered under your health insurance. Just be careful not to sacrifice any coverage that you’ll need in the event of an accident. An estimated 31 million Americans are underinsured in any one year. Make sure you aren’t one of them.