Cheap auto insurance. Does it exist? And if it exists, how exactly do I go about getting some?

There are two ways to go about buying car insurance. The dumb way and the smart way. Let’s talk about the dumb way first.

Dumb Mistake #1

Buying auto insurance from the same company your dad bought his from just because he was your dad.

It’s great to be sentimental about your dad. I’m sure he taught you many things when you were growing up. But the sad fact is that the average dad knows as much about buying auto insurance as the average housewife knows about reboring an engine. We’re not talking about the best way to mow your lawn here.

Dumb Mistake #2

Blindly going with the cheapest rate you find.

Hey, what’s wrong with that? Well, nothing is wrong with that, until it comes time to file a claim and get reimbursed. Then you suddenly find out what’s wrong with that when you find it extremely difficult to get money out of your so-called auto insurance company.

Anybody can put up an ad and collect premiums all day. Terrific business model. Even better when you rarely pay out on claims and then blow town when the heat gets turned up. I hear that Maui is nice this time of the year.

Dumb Mistake #3

Running all around town shopping for the best deal. Hitting 15 different agencies and asking them all the same questions, recording 27 different numbers in a spreadsheet, sorting it, and then “making an informed decision”.

Oh sure, this sound sensible. It’s probably what my high school chemistry teacher still does. The only problem with it is that it’s the hard way to go about accomplishing what should be an easy task and wastes a couple of weekends you would have better spent playing golf or snoozing on the couch.

You work hard all week, why kill yourself on the weekends too?

Smart Move #1

Decide first what coverage you need.

What are your state minimums for collision, liability, and medical? Are you comfortable with those or do you want a little extra cushion? Do a little basic research online. This should take you all of 20 minutes. Pull out your current policy (if you have one) and note what you are currently insured for. Did you listen to a sales pitch and go overboard with the coverage, way above state minimums? Is that the level of coverage that you want to continue paying for?

Smart Move #2

Deal only with long-standing, reputable companies.

As was mentioned before. A dirt cheap policy is worth nothing if you can’t collect on it. What’s that? You’ll sue? You’ll have to find them first.

Smart Move #3

OK, you’ve read this far, now here’s the secret. One-Stop Shopping.

How nice would it be to walk into a place that doesn’t just push insurance at you from one company, their own? How nice would it be to walk into a place and talk to a knowledgeable guy about the coverage you want, have him check all around with the best, most reliable insurance companies in the country for the best deal for you personally?

Not the deal his boss is leaning on him to shove down your throat because it makes them the most money. But the best deal for you, your car, and your circumstances.

And finally, how nice would it be if you could do all of this from your own home, without having to deal with a salesman coming over, at your own leisure, whenever you want?

For information on where you can go online to instantly get the lowest quotes from the top insurers in the nation, please visit my blog on Cheap Auto Insurance.

Are you the type of person that does not take your vehicle for a drive every day? If you happen to be an individual that is paying for a full comprehensive car insurance policy, then you may want to consider revising it. Believe it or not, there are policies available that allow you to be in full control of the type of coverage that you get. This means that you can choose both your coverage options and the length of time for which you are insured. A very popular option these days in both the United Kingdom and U.S. is getting a one day car insurance cover to be insured for 24 hours.

If you absolutely dread paying your premiums each year because you know that you are not driving enough to justify them, then it would be a good idea to consider changing to either a short term or one day policy for each day that you drive. There are a very large amount of companies that are trying to make their coverage policies both easier to understand and more convenient for their customer base. When it comes to making things more convenient, there is nothing better than having the ability to choose to be covered for the number of days that you drive and nothing more.

Another reason that people may want to look into a one day auto insurance policy is that they may want to get one of their vehicles insured that they are borrowing. Every once and awhile, people decide to let another person take their vehicle for a test spin to see how they like it. If the person does not buy a type of insurance, they run the risk of having to pay extremely high amounts of money if they were to get into an accident.

Most people that ask their insurance provider about single day car insurance find out that there are many other convenient policies that may even work out better. A lot of companies are even starting to provide coverage that allows people to pay by the number of days that they drive. This always needs to be worked out in advance though. Don’t think that you are going to be able to get coverage after you get in a severe accident. You should always make sure that you have adequate coverage and protection each time that you drive.

Due to the fact that the economy is poor and people are trying to save every last penny, getting one day car insurance is practical for some. Even reducing your coverage from a full comprehensive policy to one that is temporary or short term can be helpful. In order to decide what is going to work best for your particular situation, it is recommended to get in touch with a representative of a reliable auto insurance company to find out if they have what suits you best.

Hampton helps people understand car insurance one day options and what to know about one day insurance cover by car insurers.

Reader’s Question:

I am living in New York, and I am paying for one year insurance for my car, yet I don’t use my car daily. I am about to transfer on a one day car insurance policy, but I am afraid that the coverage may be limited. Is that true?

Cassie

New York City NY

Your worries are understandable, Cassie. But paying for one year insurance for a car that you rarely use would cost hundreds of dollars yearly. That type of insurance is only suitable and preferred if you are using your vehicle for everyday use. But in your case, 1 day auto insurance my perfectly fit your needs.

If you are worrying about the coverage of 1 day auto insurance being limited compared to the long term car insurance rates, then stop worrying. As a matter of fact, you will get the same security and protection that you were getting from yearly premiums for a short term insurance. Like mentioned earlier, the only difference is that you will only need to pay for one day, or at least during the time that you are going to use your car.

Doing so, you would save more than a hundred dollars every year, but still get the same coverage and be secured all the time. Like for instance, an uninsured driver accidentally hits your car, 1 day auto insurance still covers those damages for you.

Most people living in New York do not use their cars most often, and because of this, there are tons of insurance companies that offer this type of policy. One day car insurance in New York is very popular as people tend to just walk in the busy streets rather than drive and go along with the traffic.

If you are still unsure on which insurance company you are about to go with, 1 day auto insurance companies offer free insurance quotes online. That way, you do not have to skip from one company to another physically, and start with your search virtually.

Being safe and secure with one day insurance is something that you should think about. Just imagine the amount that you are about to save, for getting the same coverage and security.