No matter if you’re looking to buy liability auto insurance or you need full coverage, you want to get the cheapest auto insurance possible, right? What’s more exciting than getting something you need at the lowest price?
When it comes to getting cheap car insurance, you can do your shopping around on the internet these days, contacting multiple companies. Or, you can use a website that asks for the pertinent information and then does that footwork for you. If you choose to do it yourself, there are some things you want to look for and even ask about, in order to get the cheapest car insurance possible.
The Standard Offerings
Many of the big-name insurance companies offer some of the same discounts; they may be varied in how much discount, though. Among those discounts are being accident free for 1, 3, or 5 years. This may or may not include accidents that weren’t your fault. Covering multiple cars will get you a little bit of discount, too, as well as bundling your homeowner’s or renter’s insurance.
Does your car have safety features like air bags and seat belts? Built-in child-safety seats and child-safety locks are always a good feature to have when shopping for cheap auto insurance. Of course, no moving violations in the past 1, 3, and 5 years can make a huge difference in how cheap car insurance rates are, as well. Many insurance companies will inquire if you are a smoker and do you keep your car in a garage at night.
Check with your employer, too. Some companies have package deals with insurance companies that can get you cheap car insurance. Ask for quotes with various levels of deductibles and limits, but remember, getting the cheapest auto insurance you can by dropping coverages, lowering deductibles isn’t always the best solution.