Cheap Direct Auto Insurance
It seems the world has changed more in the last 25 years than in the previous 500 years, and technology is leading the way. The internet has changed the way consumers shop for just about everything, from food products to auto insurance. Let’s take a look at how you can get cheap direct auto insurance online and lower your premiums. If you want to get a quote now, just enter your zip code to get started.
Direct Auto Insurance is Becoming More Popular
For decades consumers called up an insurance agent, made an appointment, then went in and reviewed a couple of prices quotes, and bought their automobile insurance policy. Shopping for coverage like this took time and people never really knew if they were getting a good deal or not. Fast forward to today, and sites like this let you compare multiple quotes in about five minutes.
You can compare rates from dozens of leading national and regional providers’ best rates. This puts the shopper in control of the auto insurance buying process and helps save them money. Some insurers like Esurance and 21st Century are designed to sell policies directly to consumers online and cut out agents altogether. Their prices can be hundreds less than traditional carriers like Allstate and Nationwide.
To get a fast quote online, you should be prepared with the following:
- The primary driver’s full name and date of birth
- The license number and the state that issues the license
- Make and model of the vehicle being insured and VIN (vehicle identification number)
- Social Security Number
- The address where the car will be parked at night
- What the vehicle will primarily be used for (work or personal use)
- Current mileage on the automobile
- Current insurer and policy number
- Info on a second vehicle if necessary
Having all of this information before starting a quote will help you complete the application faster, many times in less than five minutes. The insurers will use the info, including your social security number, to assess your risk.
Important risk factors that greatly affect your premium
- The make, year, and value of the vehicle being insured
- Driving record
- The age of the driver (drivers under 25 years of age will pay significantly higher premiums than older motorists)
- The driver’s Credit Score
- Any At-Fault accidents in the past three years
- How long the driver has been continuously insured
- Sex and marital status
Your driving record will be checked in most cases before getting you a final direct auto insurance quote online. If you have outstanding tickets, you will pay a lot more to get covered. This is why it’s so important not to have any tickets on your record and if you do get one, go to traffic school, so it doesn’t go in your record.
Consider Driving a Used Vehicle and get a Liability Only Policy
Newer vehicles are much more expensive to insure. Drive a used vehicle and consider getting a liability-only policy to get the best direct auto insurance rates possible. This will save you hundreds per year, especially if you have a good driving record.
For example, a used 2009 Chevrolet Malibu, worth $4,100, with liability only, might be as low as $40 a month in select states. A brand new Honda Accord might, with full coverage insurance, might be $200 a month or more, even for good drivers. Driving an older used vehicle worth less than $6,000 and selecting liability coverage can often save you $1,000 per year.
The main drawback to a liability-only policy is limited protection. If you get into a serious at-fault accident, the cost of medical injuries and property damage you’d be liable for would likely surpass the policy’s limits by a lot. If you do get a liability-only policy online, select the highest limits you can afford, which will give you greater financial protection if you get into an accident.
Get All the Discounts you can
Most direct car insurance companies will help you find all the discounts you qualify for. Getting discounts can save you hundreds more per year. Direct providers have the same discounts as traditional insurers. Common discounts include:
- Safe Driver
- Low Mileage Driver
- Garaged Parked
- Good Student (must have a GPA of 3.0 or higher)
- Policy Paid in Full Discount and Early Policy Renewal Discount
- Anti-theft Security
- Bundled Auto and Home Discount
- Multi-Vehicle Discount
- Senior Citizen Discount
Get a Higher Deductible and Save
One thing you have control over when buying car insurance direct online is the deductible amount. If you are a good driver and accident-free, consider a deductible of $1,000 or more. Doing so can save you $400 or more per year.
Make sure that you have the deductible amount saved in the unfortunate event you get into an accident and need to file a claim.
Compare Direct Auto Insurance Quotes Online in Minutes
Now that you know the benefits and savings of buying direct auto insurance, start comparing the lowest rates in minutes. Most drivers can save $500 or even more by purchasing their policy direct.
Enter your zip code and fill out an easy quote application, and you will be matched with the top-rated provider’s lowest direct rates. Get started now and see how easy it is to save hundreds on auto insurance by buying direct.