November 16, 2022

Cheap Auto Insurance Companies

Find cheap auto insurance

How To Find Cheap Auto Insurance Companies

There are cheap auto insurance companies out there; but cheap isn’t always a good thing.  

You want to make sure you have the right coverage to protect you and your vehicle.  With an insurance company that will be there for you in the event of a loss.

You want to be smart and plan for the unexpected… Like if someone hit your car while parked in a parking lot – Or if you’re involved in an accident that causes significant damage to your vehicle.

No one ever really thinks they’re going to experience a loss – So you want to make the necessary plans to ensure you’re covered when it does.

Here are a few ways to help you find the cheapest auto insurance, without giving up good quality coverage.

Gather a list of auto insurance companies that offer cheaper rates

Obviously it’s not hard to find cheap auto insurance companies online. Make a short list of these and start to compare what each of them offer. You’ll want to be very careful though, that you don’t end up with gaps in coverage and that the insurance company is a strong, reputable company. An easier way to compare rates and insurance companies is by working with an auto insurance broker.  They can do all the work for you, shopping, numerous different insurance companies, plus they can help you make sure you have the right coverage.

Avoid car modifications

Many young drivers are attracted to car modifications – Installing alloy wheels and many other body kits are a few examples – But before you buy any “extras” for your car, have a conversation with your agent or broker. It is very likely this change would cause your premium to go up and in many cases, “pricey” after-market items may not be covered in your policy.

Obtain extra qualifications

If you are a young driver or have young drivers in your household, consider taking driver training courses. The best auto insurance companies will offer discounts for good drivers and drivers education courses. This is another way to help lower your premium. You should also maintain a safe driving record.

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Pay yearly, not monthly

It can be hard to come up with that monthly premium sometimes. Just when you think you’ve paid for this month, you realize the next deadline is tomorrow. If you delay in making those payments, you run the risk of a lapse in insurance, plus the cost of late fees. If you can afford to pay for the premium in full for the year – It is wise to do so. Some companies even offer a pay-in-full discount.

For more information or to receive quotes please call: 314-569-1010 or Click Here

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John Espenschied is a long-time veteran of the insurance industry. He's worked with thousands of clients over the years, helping to protect their personal and business needs. John's goal is to provide the best advice possible to assist customers in saving money while protecting their property and securing their financial future.
He truly enjoys helping others and takes great satisfaction in providing top-notch customer service. When he's not working, John has fun spending time with his family, golfing, bike riding, and blogging on insurance topics.