subject: Finding Cheap Car Insurance Online [print this page] With so many insurers out there, how do you find out which company offers the cheapest car insurance? There"s an abundance of TV ads with cheery, occasionally reptilian mascots insisting they"ve got the lowest rates, but finding out which company will offer you a rate worth celebrating can be difficult. And although the company offering the lowest price may initially seem like a bargain, if your coverage doesn"t include perks like a safe driver discount or an after-market accessory policy, it may not be the cheapest car insurance in the long run.
You want your car insurance cheap""and you want it ASAP. Gathering quotes doesn"t need to be an all-day process, and with the help of the internet, it doesn"t have to be a painful one, either.
You"ll want to gather a wide variety of quotes, and because companies know how competitive they"ve got to be to woo new customers, almost all of them offer online quotes. When shopping online, there are several vital steps to getting the best policy at the lowest price. Check out comparison sites. Portals offer quote comparisons and can streamline your search. Once you"ve gathered a variety of quotes, it"s time to put them head to head and figure out which one offers the cheapest car insurance and the most wallet-friendly price. Here are a few general policy options you"ll want to compare before making a decision:
The deductible. If you"re younger than 25, sometimes an additional excess can apply, so you"ll want to consider this factor before purchasing cheap car insurance. If there"s an accident and the driver of your vehicle isn"t the policyholder (you), this can also mean an additional excess. Review deductible information carefully, as it can vary wildly among companies.
Are you a safe driver? Or do you think texting and driving go together like peanut butter and jelly? If you"ve got a great track record, you"ll want to pay special attention to discounts a company offers to safe drivers. If you"ve taken a defensive driving course or another form of drivers ed, look for a company that offers a special safe driving discount. Some cheap car insurance companies also offer discounts for simply having a squeaky clean driving record. Always check to see if this is the case when comparing policies.
Have you pimped your ride recently? Anything added to an automobile after purchase is referred to as an after-market accessory. These include stereo systems, plush new seat covers, and speakers. Some policies don"t include after-market accessories""a major risk for those who"ve spent years upgrading their vehicle. Getting your car insurance cheap may offer a momentary feeling of bliss, but knowing your ride"s accessories are covered provides greater long-term peace of mind. Always check!
The cheapest car insurance may not necessarily be the best when it comes to your individual needs, so don"t allow yourself to be swayed by the cut-rate price and overlook the fine print. And if you"ve got a stellar driving record, you"ll want to pay particular attention to the different safe driver perks each company offers. Some plans even offer additional discounts for teenage drivers with good grades. So when you hit Google in search of low rates, don"t forget to compare all the elements""not just the price tag.
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