McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Help Paying for Auto Insurance

Like information about dealing with claims adjusters, help paying for car insurance is something that many of us could use from time to time. Over the course of our lives, more than a few drivers come across times when keeping up with their monthly financial obligations seems next to impossible. Auto insurance companies are quite limited in the help they can give their clients, other than offering various payment plan options to make it easier to come up with the sum total of the premium for the policy period. But there are some things you can do as a policy holder to cut down on your costs and make those payments a little bit easier to bear. Find better solutions for your car insurance situation and get help paying for auto insurance.

Auto Insurance Discounts

Just about every auto insurance company offers discounts that help their customers save money on their rates. Each company may have its own special discounts it offers to policy holders, but certain ones are basically standard across the industry. One thing all of us need to bear in mind is that it is not a given to be offered every possible discount you qualify for. Sometimes your eligibility changes over time, for example, and if you've been with a company for a while your rates may not fully reflect the discounts you could be getting. It is always a good idea to double check with insurance providers to make sure you are getting every possible discount. The worst that could happen is that you'll find your policy is already loaded up with every discount available (which isn't a bad thing).

If there are discounts you're not currently getting but that are easy to become eligible for, take advantage of the chance to get eligible and save more money. For example, membership in an auto club might only cost a few buck a year but could save you five or ten percent on your rates as a covered policy holder. Among all of the discounts typically available through major insurers, group membership rebates are the easiest ones to become eligible for once you target them as a consumer.

Get Multiple Quotes and Save

Another thing to bear in mind, even if you've been with the same insurance provider for some time, is that there is nothing wrong with shopping around. In fact, smart consumers get quotes every time their policies are getting set to expire and renewal time approaches with their current provider. Your insurance carrier will send you paperwork for the new policy as a renewal and it will all be laid out as if it is a done deal, but technically this is a brand new policy, and you are under no obligation financial or otherwise to use that company for the coming year if you can find a better deal elsewhere.

Getting multiple online car insurance rate price quotes for auto insurance helps to expose you to a fuller scope of the market and shows you as a consumer which companies are offering the best value to their customers. When you compare prices and policies, it is interesting to examine the discounts offered by each provider, for example. Some of the discounts you might find include safe driver, good student, senior, low mileage, prepaid or automated payment, claims free and multi vehicle discounts.

Some drivers hesitate through the years to get quotes on auto insurance because they remember what a hassle it was last time. But this is simply not the case anymore, and motorists can grab some quotes with literally a few moments' worth of effort. Just use the free quote tool at the top of this page and you'll get no obligation bids from local insurance providers serving your area.

Policy Changes to Save Money

In many cases, drivers who really need help paying for auto insurance have to look at ways they can change their policies or adjust coverage in order to save money. This is definitely a fool proof way to save if your policy includes expendable or adjustable areas of protection. But any such choice must be made with the understanding of its impact in the event of a claim.

For example, drivers with full coverage on cars they own outright can drop collision and comprehensive, a move that will substantially reduce their premium. You might also reduce your liability policy down to the state minimum level if you carry a plan with higher limits, (which are reflected in the default offerings of most insurers).

On top of these options, drivers could also increase their deductibles. Any combination of these changes would result in a lower premium. But it would also lead to higher out of pocket costs in the event of an accident. Make smart choices and get help paying for car insurance.


FREE Quotes, Multiple Insurers

Zip Code