subject: What You Get With Cheap Auto Insurance [print this page] Cheap auto insurance is one way to seriously cut down on your budget demands. There are insurance policies that offer everything from bare bones coverage to extended coverage with great rates. Choosing wisely is important, because you need to know what to expect when you opt for a cheap plan over a more comprehensive plan.
Drivers with clean records get better rates. This is simply because you are seen as less of a potential payout for the insurance company. If you haven't had an accident in a very long time, haven't had your license suspended, and haven't had any moving violations then you can usually talk your way into a great rate with more coverage.
Being young, having a driving record that is anything but impeccable, and having an older car with limited safety features makes it a little more difficult to get the lowest possible rate on car insurance while still maintaining great coverage.
Start with assessing the various items that you're going to need legally and then add the policy coverage that you want. All states have different requirements when it comes to driving legally with car insurance. Make sure that you're meeting the bare minimum at least.
Can you really afford to replace your car? The cheapest insurance coverage is not going to give you the option to replace the car you're driving. You will have to find your own funds to pull from if you need a new car after an accident. This is known as having only liability insurance. It keeps you legal, passes you through inspections, and protects other drivers from your mishaps.
When you start investigating the insurance options that you have you might be tempted to go with a policy that covers only the basics. However, if you look a little harder you might be happily surprised to find that you can still get a good plan with added incentives thrown in by going with a slightly larger insurance company. This isn't true in every single circumstance, but there are ways that you can help yourself get lower quotes.
You can usually get reduced or cheap auto insurance by asking for it. Let the company you're working with know that you have other quotes and that they are not meeting them. If it's at all possible for them to come down to those prices, they usually will. Ask for a better rate and then ask for better incentives to get the most coverage possible while paying as little for it as possible.
by: Alexis Ford
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