How to Find Cheap Basic Car Insurance


Although the state of the economy today has made all sorts of financial product purchases difficult, finding cheap basic car insurance isn't quite the hassle it seems like it might be. There are several things you can do to ensure you're getting the best rates possible. Keep the following tips in mind.

Disregard State Minimums

We know it sounds strange but even if you are shopping for cheap basic car insurance you should go at least a level or two above the minimum required levels of liability coverage in your state. It may cost you a few dollars extra upfront but if you are even in an accident it will save you tons of cash. Low liability limits means you'll have to pay out of pocket if you're in a serious crash.

Ask for Safety Feature Discounts

There are tons of safety features in our cars that we take for granted and, believe it or not, they're not automatically included in all vehicles especially older ones. A huge example of this type of discount is the one you receive for having anti-lock brakes. If your vehicle has anti-lock brakes your insurance rates will be lower. The same goes for whether or not you have airbags and, in some cases, how many you have. You are likely to be charged higher premiums for older cars without anti-lock brakes or airbags.

How Often Do You Drive?

Many insurance companies offer low mileage discounts. You may think your insurance company is just asking for too many details when they ask for your vehicle mileage but they're doing it for a reason. The less you're on the road the less likely you are to cause an accident and, as such, insurance companies are willing to reward you for driving less.

Do You Drive a Hybrid?

Another thing to consider when searching for cheap basic car insurance quotes online is the type of car you drive. Insurers have begun to reward drivers for choosing energy efficient modes of transportation so make sure you ask if the company you are dealing with offers any special discounts. Search for Quotes Online.

Use our site to search for your next cheap basic car insurance policy online. We'll take your information, shop it to several different insurance companies, and return a series of competitive quotes. We'll save you time and money guaranteed.

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