Discount Car Insurance – Is it Really Cheaper?
If you live in the US, you are probably required to purchase auto insurance in order to be a legal driver. The driver’s license office, inspection station, etc. will keep requiring you to prove you are insured.
Some people are easier to insure than others. Young drivers, and those with accidents or unique cars, may be more expensive to cover. But that does not mean you should just accept a very high premium or a rate increase. And finding cheaper insurance does not always mean you should use the so-called discount insurers.
I had a discount insurance company, and they tripled my premiums after I added a young driver and a used car to my coverage. The company insisted that price was the best one out there, and my own insurance agent could not do better. So should I have stopped shopping?
After a few weeks, I decided to get some competitive car insurance quotes. One company, that is not known for being inexpensive, caught my eye.
Guess what? That company could offer me discounts that the “discount companies” did not. They could offer me a home/auto discount, and they could offer my teenager discounts for taking a defensive driving class. My rates dropped by $200 a month!
Think about $200 in savings every month. That multiplies out to over two thousand dollars a year. That would certainly give me more breathing room to pay off bills, save money, and enjoy life more.
You must shop around. It is fairly easy to do with internet auto insurance quotes. You simply key in some basic details, click a submit button, and relax as insurers step forward to compete for your business.
There is not doubt that some dirvers will have to pay more than others. But there is no reason to pay too much!
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