Discount Auto Insurance: Easy to Find?
There was a time when the only discount auto insurance you could find was from a shady guy on the wrong side of the tracks. Discount auto insurance meant poor service, lack of coverage, and sometimes not even a discount price. This type of insurance was aimed specifically at people who couldn't get insurance elsewhere.
Thankfully, you can get real discount auto insurance online very easily these days. You don't have to travel to a bad part of town in New York, and you don't even have to meet with a salesperson. Almost all of the transaction can be done online, and in many cases, the entire policy can be set up without ever talking to another human being!
If you are looking for discount auto insurance, or insurance that comes at a cheaper rate than what you are paying, there are a few different ways to go about your search. First of all, do you want insurance that is simply cheaper, or is coverage important to you? If you are driving a junker and have no real assets of your own, then obtaining the state minimum coverage may be a good thing for you. It is usually very cheap, and even people with poor credit scores can obtain it. However, if you wreck your car, you will be without wheels – state minimum coverage does not include repairing or replacing your own vehicle.
If you are looking for coverage that will protect you, your passengers, and your vehicle, and is affordable, then you can shop around. There are plenty of websites online that allow you to compare insurance rates from different companies. In order to do this, you do need to know the type of coverage you want. If you want a low deductible, your cost will be higher. If you want coverage for towing or a rental car in case of accident, you will have to pay higher for that, too.
So, before you start comparing insurance companies, make sure you are evaluating each of them on the same criteria. Decide what coverage you need, the deductible you want, and any bells and whistles that sound good to you. Only then can you compare fairly.
If, after comparison shopping, your rates still appear high, then you may want to make some major changes to your life. Consider driving a vehicle that is cheaper to insure. You can ask your insurance company which cars are cheaper. Consider driving fewer miles, taking a safe driver course, or even moving to a different town. Some cities, especially along the southern border, are known for high insurance rates.
Make sure you ask any insurance company you are dealing with what kind of discounts are available. Whether you are a student, a veteran, a police officer, a teacher, or a government employee, you may find that you are eligible for a discount on your auto insurance.