The best ways to get cheap full coverage car insurance are to compare quotes from at least three companies every 6-12 months, choose the highest deductible you can comfortably afford, and take advantage of discounts. For instance, many insurers offer discounts for paying your premium in full up front and taking an approved defensive driving course. You can get full coverage for cheap from Esurance, Geico, and Mercury.
How to Get Cheap Full Coverage Car Insurance
- Compare quotes from multiple companies in order to find the best deal.
- Pick the highest deductible you can afford.
- Make sure you’re getting every discount you qualify for.
- Cut any unnecessary coverage types and consider lowering your liability
Things to Consider When Getting Full Coverage Car Insurance
Although raising your deductible and lowering your liability limits can help you save money in the short-term, be sure to weigh the pros and cons. For instance, it’s not worth raising your deductible to an amount that’s unreasonable for your financial situation. Similarly, if your liability limits are too low, you could be held personally responsible for damages if you cause a severe accident.
In the long run, the best way to get cheap full coverage car insurance is to make yourself as low-risk as possible for insurers. That means maintaining a clean driving record, raising your insurance score, and choosing a vehicle that’s inexpensive to insure.
For more information, check out WalletHub’s guide to the cheapest full coverage car insurance.
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