If you’re a driver dealing with special circumstances, you may worry that affordable auto insurance is out of reach. Thankfully, that isn’t the case. Great auto coverage at a reasonable rate is available to everyone. Whether you’re currently insured or not, have been turned down by other providers, require SR22 insurance, have poor credit, or a bad driving record, you can still apply for affordable car insurance.
When you’re requesting car insurance quotes and evaluating insurance providers, look for a company that allows you to customize your coverage and your monthly payment. The ability to select the coverage you need while cutting out the coverage you don’t will help you keep costs down.
Also, make sure you choose a provider that offers the right kind of coverage for your state’s requirements. Depending on where you live, you may be legally required to keep a minimum amount of car insurance. This is especially true if you need to meet SR-22 insurance requirements. To make sure you're covered, ask your provider about your state's minimum legal requirements for car insurance. Choosing a provider that is familiar with your specific circumstances, like getting insurance with poor credit or an SR22, is also important. When you find the right company, it’s easier to get the insurance you need for the right price.
There are several things you can do to find the lowest auto insurance premiums. First, when requesting a quote, ask if you qualify for any discounts. Many car insurance companies offer discounts for vehicles with air bags, anti-lock brakes, anti-theft devices, or other features that could help prevent auto theft or reduce your chances of being in an accident. Also, check to see if your insurance company offers multi-vehicle, homeowner, mileage, or renewal discounts. If you already have an insurance provider but are thinking about changing providers in order to save money, ask about a switchover discount.
To reduce the amount you pay for your coverage, you could also increase the amount of your deductible, which is the amount of money you would pay out-of-pocket up front for damage to your car. Typically, the higher the deductible you choose, the lower your premium for collision and comprehensive coverage will be.