Dirt Cheap Auto Insurance

The first and most important thing to do to get dirt cheap auto insurance is to get a FREE Online Car Insurance Quote!
. (Canadian motorists click here). This is the most important step to do and if you do nothing else at least perform this step. It takes about 5 minutes and is the most reward for your time with regards to saving money. Once you complete the quote, insurance companies in your local area will be compared and the cheapest auto insurance rates will be given to you.

The second thing to do to get dirt cheap auto insurance would be to alter your types of coverage to suit your individual needs. Depending on the condition and age of your car you can decide if you need comprehensive or collision coverage. If you have an older car it may not be worth the price you pay to have collision coverage. Collision coverage is insurance that will cover your car if you have an accident where you are at fault. This coverage will go towards repairing your any damage that occurs to your car. Comprehensive insurance is coverage that protects against other random events, such as a tree falling on your car or theft and fire to your car. Glass coverage is another coverage option and protects your glass from breakage, chips or cracks. If you simply want to cheapest insurance possible, the best thing to do would be to drop these extra coverage’s and just have liability insurance, especially if you have an older car that is not worth that much money. Visit the comprehensive and collision page for more information on these types of insurance.

The third thing you can do to get dirt cheap insurance is to increase you deductibles. The deductible is the amount of money that you will need to pay in order to make an insurance claim. It is put in place to prevent false claims. If your deducible is low your insurance premiums will be higher, so by simply increasing your deducible you could lower your insurance rates by a couple hundred dollars, but keep in mind that if you need to make a claim you will first need to pay whatever deductible you select.

The last things to lower your insurance premiums are more extreme and are not usually recommended or performed by a majority of motorists. Insurance is based on many things, including your type of car. If you truly want low dirt cheap insurance you can select a car that will cost less to insure. While this is still a grey area in knowing which cars are cheap to insure there is a reference showing How Cars Measure Up that will help you select a low insurance car.

You could also lower your liability coverage. Again this is not recommended but if you want to get the lowest rates this will do that for you. Liability coverage is the coverage that protects you against paying for damages and injuries to others that results when you are at fault for an accident. Depending on the severity of the accident this could be in the hundreds of thousands of dollars. Each state or province has government legislated minimums that all drivers must have. These minimums are usually quite low and the majority of motorists will purchase liability insurance above these minimums. This is because if you are the cause of an accident with the injuries and property damages topping $500,00 but you only have $100,000 liability coverage then you will be responsible for the rest of the bill! Something that would not be too great! While lower your liability to the mandated amount may save you some money it is generally not recommended as you would not be fully covered if you are involved in an accident.

I hope these tips will help you in order to attain dirt cheap auto insurance. Remember the tip that will give you the most bang for your buck is getting the online quote. This will not affect your coverage’s at all and will simply shop around to see who offers the best prices for your requested coverage’s. By simply shopping around you can save hundreds of dollars per year.