I do not blame you. You just made a serious investment, and every penny you can save on your auto insurance policy is one that remains in your pocket.
But when it comes to saving on auto insurance, cheapest is not always best. We'll explain why you should look for a policy that combines accessibility with adequate coverage (even if it costs a few dollars more).
"Auto insurance cheap" rarely translates "best car insurance"
We've all heard the timeless (and boring) old saw that "you get what you pay for." Shopping on Amazon trawling in the waters of Craigslist, we all find ways to get what we want for nothing. But in the world of auto insurance, the old adage still rings true.
Here are some reasons why the cheapest car insurance available is not always the best car insurance for you:
The minimum coverage, the minimum protection. Although the minimum liability coverage your state sounds appealing, consider how it will help after an unexpected accident. What appears to be a decision to save money when buying it can quickly turn ugly when it's time to make a claim.
A higher deductible = more spending out-of-pocket. Beat the deductibles beard a little 'off the top of your monthly insurance, of course. But it will also increase the cost of filing an application. Pay up to $ 1,000 out of pocket in order when a complaint Global can make money you've saved on your premium feel ridiculous.
The lower limits result in higher liabilities. Limits available may seem astronomical - far beyond the levels of damage you imagine you can inflict. But you would be surprised at how fast these limits can be met and exceeded, leaving you responsible for the excess. (Think to contact a Bentley one-of-a-kind.)
A cheaper policy in action
Let's say you bought car insurance with the slightest injury to the limits of coverage against the State and property:
- · $ 15,000 per person
- · $ 30,000 per accident
- · $ 5,000 for property damage
Everything is great ... until months later, when an uninsured motorist hits you in the middle of an intersection where he had the green light. The repair bill project rises rapidly to thousands, and $ 1,000 deductible means that you have already spent many times that you saved at the checkout.
It is here that a better policy with more coverage, you can end up saving a lot of money.
there are more - and better - ways to save on your auto insurance
If you are looking for the cheapest car insurance without sacrificing vital safeguards, look for discounts available for you. Some of our most popular cuts:
- · demand reduction, free
- · Multi-car discount
- · Homeowners reduction
- · Good driver discount
- · Switch & discounts Save®
- · Discount rapid 5®
- · Paid in full discount
- · discounts on vehicle safety
Depending on the state to call home, which is up to 6 cuts have accumulated already! Oh, you have a PayPal account, right? Let the 7 car insurance discounts that can help you save money.
Discounts may vary. If you are an existing customer Insurance and have questions about your discounts, call us at 1-800-Esurance (1-800-378-7262).
So, how do you get the cheapest car insurance and the best?
It starts with smart shopping. Obtain and compare quotes side by side. A few minutes to get a free quote online Esurance, and while you're there, you'll be able to compare prices of other top insurers car insurance without leaving the site.
If you want to control the guarantees in advance, spend a minute with our line
Counselor® cover for quick tips and personal advice. This way you know what to look for as you shop for the policy that best suits you.
