Car insurance is a requirement for responsible drivers. In many states, it is illegal to operate a vehicle that is not insured. Although insurance can be expensive, it could come in handy if you or your car are ever in an accident. Buying cheap car insurance online can help you save money on a necessary expense.
Bundle It
Bundle your car insurance with other types of insurance you may have such as home or life insurance. When you bundle your insurance, you receive a discounted rate on the policy. Even if you cannot purchase your insurance in a bundle package, try to purchase your car insurance from the same company where you currently have other types of insurance. You may receive a discount for being a loyal customer. To determine if you can purchase car insurance with your current insurance company, log in to your online account and look for add-on options. Pay for the extra insurance with your credit or debit card.
Good Credit Discounts
Look for online car insurance companies that offer good-credit discounts. Most companies run an insurance check and base your premium and payments on your credit score. Companies that offer good-credit discounts will tell you upfront how much of a discount you are receiving. As your credit score increases or decreases, so could the amount of your discount. If you are unable to find information about good-credit discounts on the insurance company's website, check the "Contact Us" section for a phone number and contact the customer service department regarding the available discounts.
Rate Comparison
Visit a rate comparison website to compare the prices and policies of several different insurance companies. This will allow you to see each policy next to others and determine which one is best for you. When you have found the insurance company you wish to purchase insurance from, you can visit that website and purchase the policy of your choice. When comparing insurance companies, make sure you are not only getting the best price, but also the best value for your money.
Safety Feature Discounts
Find an insurance company that offers safety feature discounts. When insurance companies are aware that your car has added safety features such as an alarm system, extra airbags or anti-lock brakes, they are more likely to offer a better rate. Visit the website of several different car insurance companies and look for information on the types of discount offered. You can also chat online with a customer service representative if the option is available.
There are a lot of insurance options out there and finding them online allows you to take your time and compare companies and policies. You can also schedule an appointment with an insurance agent you have found online, to learn more about what they offer.