Cheap car insurance can be tough to come by in some states. Unfortunately, car insurance prices tend to go up every year. Even if you have been careful and conscientious, odds are, you’ll end up paying more.
Insurance companies rely on the fact that all states require motorists to hold a basic amount of car insurance. But let’s face it: There’s not that much difference between car insurers except for the prices they offer.
That gives you a tremendous amount of power!
When you’re searching for the best cheap car insurance for 2021, you can go forward with confidence knowing you have the right to switch car insurance providers. As long as you don’t let your insurance lapse, most states have no rules against changing car insurance providers whenever or as often as you want.
Whenever you see a better deal, you can go for it!
Finding The Best Cheap Car Insurance For 2021: The #1 Best Method
Since car insurance prices go up so frequently, starting with a great deal is essential.
The lower your car insurance costs are to start with, the better off you’ll be in the future.
But how do you do it?
If cheap car insurance is the most important feature you want, the answer is simple:
- Get accurate, up to date car insurance quotes from as many insurance companies as you can
- Compare car insurance quotes to find out which local insurance company has the best deal
- Contact insurers to find out more about discounts and perks their ads might not mention
- Lock in the best price with your affordable car insurance quotes before prices go up again
It used to take hours and hours of painstaking research to find affordable car insurance quotes. Now that you can compare car insurance quotes online with Cheap Insurance, however, it just got a lot easier. You can look at car insurance quotes from all the most trusted auto insurance companies in your state.
Take an hour to check it out and you could save hundreds on car insurance.
At Cheap Insurance, we’re dedicated to helping you get the best price on car insurance. So, let’s explore some of the other ways to pay less money for car insurance that can benefit you no matter what insurance you have.
How To Lower the Cost Of Your Car Insurance In 2021
The best way to lower the cost of car insurance is to compare auto insurance quotes online. Still, there are lots of other ways you could qualify for discounts. At the very least, you might slow down the amount your car insurance goes up over time. Every dollar counts when it comes to the cost of insurance.
Here are some of the methods Cheap Insurance experts have used to save money on car insurance:
1. Take A Defensive Driving Course
Car insurance premiums are all about “risk” – that is, who is more likely to get into a car accident. With that in mind, many insurers offer discounts for drivers who proactively reduce their risk by taking a defensive driving course. Passing a course will give you advanced driving skills you can use to avoid hazardous situations.
2. Install New Safety Features On Your Vehicle
The vehicle you drive is a huge factor in safety. For example, some cars are more likely to get through a collision unscathed, protecting you from serious injury. Your insurer probably has a list of safety features they like to see. This may include things you can install yourself, such as a backup camera.
3. Keep Your Vehicle Maintenance Up To Date
Maintenance directly affects performance, so it’s crucial when you’re in a potentially dangerous road situation. Without good brakes, shocks, and tires, it’s much harder to drive in the rain or snow. Getting your car inspected at least once a year by a qualified auto mechanic can help you control your car insurance rates.
4. Buy A New Car Insurers Rate As Safer
Car insurance companies spend thousands of hours researching which vehicles are the safest. To cite just one example, SUVs used to be thought of as very dangerous due to rollover risks. Modern SUVs, though, are seen as some of the safest things on the road. Your insurer can tell you which makes and models are most secure.
5. Pay Off Your Debts
In most states, car insurance companies are empowered to use all kinds of factors other than your driving history to set your rates. One of these is your credit score. People with a lower credit score are thought of as higher risk. So, paying off credit cards and other debts can positively influence your insurance over time.
6. Switch Insurance Companies
It deserves to be repeated: You can always switch! If your current insurance company isn’t doing anything to keep you – like offering you discounts – you should compare car insurance quotes online at least once a year. You never know when you could come up with unexpected savings.
7. Move to An Area With Fewer Accidents
The average state allows car insurance companies to score zip codes in terms of their auto accident risk. That means urban communities with a higher population density tend to be classified as bigger risks. Property crime like car theft and vandalism can also be considered. Suburban and rural areas may offer superior rates.
8. Move To An Area With Less Severe Weather
It doesn’t apply to every state, but there are some places where severe weather drives up the cost of insurance by creating seasonal peaks in accident claims. If you have a choice between two communities, always try to avoid flood zones, severe summer and winter storms, and sudden wind storms.
9. Request An Affiliation Discount
Car insurance companies can choose to offer affiliation discounts for a variety of reasons. The most common of these is the active or retired service member discount. First-responders like police officers, firefighters, and EMTs might also qualify, along with healthcare workers. Check with your insurance firm for details.
10. Take Advantage Of Multi-Policy Discounts
Car insurance companies want to keep you for as long as possible. Their version of a “loyalty discount” is to reduce car insurance premiums when you have multiple policies. It’s common to get homeowner’s insurance and auto insurance from the same brand, which can help you save money on both.
11. Move To A Different State
If you’ve finally had it with high car insurance costs, you could consider moving to another state. Some states consistently rank among the most expensive places to drive, such as Michigan and California. On the other hand, a handful of states are consistently among the cheapest. The difference could amount to thousands.
The Best Cheap Car Insurance For 2021 Is Waiting For You At Cheap Insurance
So, there you have it!
No one method always guarantees cheap car insurance, but there are plenty of ways for you to take control and save more money on your car insurance premiums.
The best way of all is to compare car insurance quotes online. Get started right now with Cheap Insurance!