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Where to Get Cheap Motor Car Insurance

Everyone wants cheap motor car insurance because it is a monthly expense that can add up if it is too expensive. You have got other bills to pay and you likely want your car insurance payment to be manageable. There’s no one on earth who would like to pay more for car insurance! Even if you could afford it you would probably be much happier giving that extra money to a charity than to a car insurance company, which is why people like to find out how they can save on this life necessity.

You need car insurance because it is required by law. If you are caught driving without it you might find that if you get pulled over you will be in a lot of trouble. You can get a lot of fines for driving without insurance and you can even get sued if you get into an accident and you don’t have the proper coverage. If you want to get on the road there is just the fact that you will need this type of insurance. Here are the best ways to get cheap motor car insurance.

Get multiple quotes

If you want to get the best rates on car insurance the truth is that you have to get quotes from multiple sources. You will really need to fill out the free form on our website to get a bunch of quotes super easily because that is the best way to do it! Getting multiple quotes will show you that you are truly getting the cheapest rate for car insurance that is possible for your personal situation.

Ask about discounts

What’s the worst that could happen if you just ask? It’s only going to help you. Some people are too embarrassed to ask about getting some money off but this old adage is true for car insurance and credit cards. If you just ask if a cheaper rate is available, you may find that there is one out there for you.

Keep your credit score in check

Your credit score is the one thing that will definitely keep your car insurance rates low. If you pay all your bills on time you will definitely have a lower car insurance rate. As long as your credit score is in the good range which is typically considered to be over 700 you will have great rates. Most people like to see a credit score that is over 600 in general, so as long as you are above that, you’ll be just fine most likely. However, states including California, Hawai’i and Massachusetts actually don’t include your credit score into the factor of your price, which is good to know.

Don’t add extra coverage, especially if you’ve got an older car

If you don’t care if your car gets a little dinged up or you think it will be totalled by any type of accident, don’t get optional coverage like collision or comprehensive. That way you will just pay out of pocket if any of those things happen. It is a little bit risky but it is a way to save on your monthly insurance costs.

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