Everybody wants a car, but nobody likes having to pay a lot of money to insure it. Like it or not, you will need to have at least some basic coverage to drive legally. The Internet has made it possible to search for insurance quotes of all kinds and compare multiple quotes at once. These quote search and comparison tools are completely free. Using these tools is essential if you want to find very cheap car insurance.
It helps to understand the different types of coverage. For starters, each state has minimum requirements on how much insurance you must have. At a minimum, you will need a basic policy that covers any damage caused to the other driver’s vehicle, their medical costs, and any other miscellaneous costs they may have. Drivers who only have old vehicles that are not worth much consider this to be sufficient for their needs, although they really should consider some form of bodily injury coverage.
Personal Injury Protection (PIP) / Medical Payments coverage is something all drivers should consider adding to their policy, especially if they have children they are driving in the vehicle. This coverage helps pay for the treatment of injuries sustained by the policyholder and passengers in the policyholder’s vehicle. Exactly what you can cover may vary by provider and state. Some policies may cover only medical payments, while others may also cover lost wages, funeral costs, etc.
Very inexpensive car insurance can cover many risks
But what about VERY CHEAP car insurance? How can you get the most coverage possible without paying more than you can afford? By comparing multiple quotes, learn about each company. How does your coverage work? What does it cover? What factors affect how you estimate the costs associated with your coverage?
One thing that you will really need to consider is the discount options. There are numerous discounts available, some of which you may not even realize you qualify! Discounts aren’t just for students, military personnel, corporate drivers, and good drivers with clean driving records (although you may have good quality for some of these).
There are “loyalty” discounts for those who stay with the same insurance provider, and “bundled” discounts for those who opt for auto insurance from the same company that they have other types of insurance from (homeowner, business , etc.). Do you have a good credit score? Look for a company that gives you a discount for that.
One place to start your search for very cheap car insurance and discounts is Esurance. There are very useful tools like a “Coverage Advisor” and “Compare Quotes”.
