Is Discount Auto Insurance Really the Cheapest

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 & 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 one experience tha taught me to shop around. My own “discount insurer” raised my rate by a factor of three after I put my own teenage son & a used car on my insurance policy. The company rep & my insurance agent insisted they could do no better.

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 & they could offer my teenager discounts for taking a defensive driving class. My rates dropped by $200 a month

Saving over $200.00 every month or over $2,000.00 was certainly an incentive to go to a bit of trouble to change policies I could certainly think of lots of ways to use that money like paying bills or adding to my savings account.

How can you find the best deal for you? You should always shop around. Online car insurance quote forms make it fairly easy. You just enter your basic details in a form that takes about 4 minutes to fill out. Then click the GO button & sit back while top insurers 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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