Cheap Auto Insurance Cheap Auto Insurance- Skimp on Price, not on Coverage.

Just like most things in life- when it comes to auto insurance- you typically get what you pay for. Cheap auto insurance can be a good thing- if you are only saving on price. However, if your cheap car insurance provides less than necessary coverage, your savings could mean a disaster in the event of a loss.

In order to get cheap car insurance quotes without cheap car insurance coverage, you should follow the shopping and saving tips below:
Weigh your Options

When shopping for cheap auto insurance you should either shop around for the best quote or use an online shopping company that will compare quotes from multiple companies for you (hint, hint- Online shopping companies are a major benefit for price-conscious customers because they can help you find the best rates and company that works for you. Always keep in mind that service is a huge factor as well. If you find great customer service with a company, you might want to consider working with them even if their quote is a little bit higher than another company with less than perfect service but cheap car insurance rates. Remember, in the event that you are in a car accident, you will want to work with an insurance company that you can rely on for giving you timely claims processing service.
Ask for Discounts

One of the best ways to get cheap car insurance rates is to ask for discounts on your premium. There are over 60 discounts that can be applied for qualifying customers which can save you money on your car insurance without sacrificing coverage (sometimes up to 50% or more). Get a full list of car insurance discounts and don’t be afraid to ask your agent about what discounts you may qualify for.
Drive for Savings

If you want to get cheap car insurance rates, drive with savings on the brain. Meaning, keep that driving record clean so that you get rewarded by companies who offer a Good Driver Discount. If you receive a ticket for a driving violation (especially a major violation like a DUI) you might as well bid your cheap car insurance rates goodbye for at least 3 years. Some companies offer additional discounts for drivers who have avoided accidents over the past few years as well. An accident free, violation free, driving record typically ensures cheap auto insurance rates.
Know your Coverage Needs

Paying for too much coverage is a mistake that many drivers make. If you want cheap auto insurance rates, make sure your coverage fits your needs. If you have an older car, collision coverage might not make sense for you. Check your deductibles. If you can raise them then you should. This means that you can afford to pay out more in the event of a claim but you will pay less on your monthly premium. As always, be sure to consult with a licensed auto insurance agent before making any major changes to your policy.