Who Needs Car Insurance, Anyway?

It’s no secret. Some people drive without car insurance for years. A few of them even get away with it.  Well, do you feel lucky, punk?  Because that what it comes down to – luck!

Getting car insurance doesn’t have to break the bank.  Most states, in fact, have special policies designed specifically for low-income drivers. These policies meet all of the minimum insurance requirements for driving in your state. Check your state’s Department of Transportation or Department of Motor Vehicles website for information regarding your state’s low-cost car insurance. You can get an auto insurance quote online and be driving legally in less than 24 hours.

Why should you bother getting car insurance?  Well, for starters, driving without auto insurance is a crime and if you’re caught you can be arrested and your car impounded.  And if you thought paying for car insurance was expensive, just wait until you see your impound bill!

What are some of the things you can do to help keep the cost of your car insurance under control? Don’t speed and always drive according to the traffic laws. Did you know that a speeding or reckless driving ticket can almost double the monthly premium on your auto insurance?

And don’t even think about driving under the influence or drinking and driving. A DUI or a DWI can send your monthly auto insurance quote through the roof for the next several years.

If you’re in school, stay there. And study. Did you know that if you are in school with a “B” average or better that you can save about 10% on your car insurance quote?

If you’re married you can save a bundle on your auto insurance quote simply by listing the wife as the primary driver and the husband as the secondary driver. Women are safer drivers than men and their premiums are less.

If you drive to work in rush hour traffic every day you can save a huge amount on your next auto insurance quote simply by joining or starting a carpool.  If you carpool to work with just one other driver you cut your rush hour driving time in half!  If you carpool with two or more other drivers you can cut your rush hour driving to almost nothing. 

Just be sure to let your insurance agent know that you have lowered the number of miles that you drive to and from work each month and you just might be amazed (pleasantly!) at how much money you save every month on your can insurance premium.

And, of course, there’s the old standby – increasing your deductible. You’ll always lower the cost of your auto insurance quotes if you agree to pay a larger part of each claim out of your own pocket. The higher your deductible the lower your monthly premium.  But watch out that you don’t promise more than you can actually afford to pay.

Here’s something you may not have known. If you get your car insurance quote online you can save up to 20% on the cost of your car insurance each and every month.  That can add up to several hundred dollars a year. Why is it so much cheaper to get your auto insurance quotes online rather than in-person? 

Overhead.  Your brick and mortar insurance agent has a building, utilities, employees and insurance of his or her own to pay for – and the only way for your live agent to pay those bills is by charging you more every month for your car insurance.

An online broker, on the other hand, has almost no overhead so an online broker can give you an incredibly cheap auto insurance quote any day of the year for the exact same policy that you’d pay an arm and a leg for elsewhere.

So who needs car insurance?  You do. And if you do just a little bit of homework and if you get your car insurance quotes online, you can save hundreds of dollars a year and have the peace of mind that comes with knowing that you are driving legally.