The fact that auto insurance is expensive, seemingly getting low cost full coverage auto insurance is beyond our reach. Well, it is actually possible. The first thing that we have to do is to define what it means by low cost. If you mean it as cheap price, let’s decide it is cheap in price or in quality.
Of course, we try our best to get cheap in price but high quality insurance. However, is it possible? Let’s know these facts below to make you make more informed on full coverage and how to keep it low in cost but high in quality.
First Thing to Know
Even though the aim is the same: full coverage, you will find that each insurance companies have different rate. All of them are typically expensive.
The first thing to know when it comes to full coverage is how we make the most of the market situation to our budget. Expectedly, the low cost but high in quality car insurance becomes ours.
The key to get this is by making the most of the market. Simply searching and comparing are two working techniques that can be applied in any situation.
How much is the Average Cost of Full Coverage
Despite the vast differences among companies, low cost full coverage auto insurance has around $100 up to around $150 in average per month.
A company may charge you around $100 and another one charges you $150. The specific amount for each driver will be varied, that can be higher or lower and it depends on several factors.
Controlling the triggering factors is the most possible way to ensure that you get low cost insurance rate. The following information will be around about this.
Let’s Decide Your Car
Since it is low cost full coverage auto insurance, it will include several types of coverage such as comprehensive/collision, underinsured/uninsured, and liability with higher limit. To get advantage of that coverage, your car has to be new enough.
For instance, comprehensive coverage does not benefit a lot for old car since the cost of repair or replace will exceed the cost for a new car, except you have an antique car.
The low cost is translated into low risk cars. Insurance companies will not let you get low cost if your car is a kind of sports cars or other types of cars that are included into high risks. Meanwhile, sedan or minivan is highly suggested.
Control Your Driving
Going somewhere by driving a car is a kind of pleasure, but you have to know the limit. Low cost full coverage auto insurance is getting far if you travel a lot on the weekends, causing the mileage reaches the limit. You put yourself in the higher risk of accident, then.
Besides, getting involved in an accident worsens the condition. So, make sure you drive safely and keep obeying all regulations while driving on any streets.
Insurance companies prefer a safe driver to give him/her low cost full coverage auto insurance. Once you get an accident or even DUI driving, it will take several years to eliminate the state.
Let’s See How You Store Your Car
Prove that your car is safe while not in use. You have to spare some space as a garage at your home and keep it there with lock. Only then, your car will not attract thefts and is protected from damages due to winds, objects or natural disaster.
The Last Facts
All insurance companies offer discounts. Those factors above allow you to get discounts as long as you can control them. However, even though you have tried your best, it may be difficult to find low cost full coverage auto insurance especially if you are teenagers, not married or under 25 years old.