Cheap car insurance does exist. Many companies charge anywhere from $15 to even more for a basic six-month policy. However, they can go even lower, sometimes as low as $5 a month, depending on several factors. It all depends on the company that you choose to insure with and what type of coverage you want, but knowing the facts and making the right choice is always the best way to go.
First of all, the price of your car insurance policy will also be affected by what you drive. The bigger your vehicle, the more it will cost you. This means that if you're only a few hundred pounds over the legal weight limit on your vehicle, you'll pay less for the same level of coverage, but if you're driving a pickup or SUV, you'll need to pay more. If you have a safe, reliable vehicle and don't drive a lot, you may not need a full coverage policy at all.
Some insurance companies will offer discounts for certain driving habits. For example, if you've been involved in an accident, but are found not at fault, some companies will give you a discount for being an honest driver. Also, if you use your vehicle for work and only do errands, the company may provide discounts for doing so. These are just a few of the things that companies look at when determining how much to charge you for your insurance.
You can also increase your insurance costs by having several policies with them. If you own multiple vehicles and use one at home, and then another at work, you could see that you're paying too much for your coverage. It's important that you get a good idea of how many vehicles you drive each year, and how long each vehicle has been driving. This will give you an idea of how much coverage you need.
Car insurance companies will also charge higher premiums if you live in a dangerous area or neighborhood. If you live in a high crime area and often find yourself the victim of theft and vandalism, you may be paying too much for your coverage. If you're a man who likes to drive and party on the weekends, you may not want to spend too much money on coverage, since there's no way to prevent accidents.
When you're shopping around for cheap car insurance, it's important that you keep your eyes wide open and find out as much about the company and the product as possible. Don't settle on the first company that comes up, because you're likely to make a mistake and regret it down the road. Take your time and shop around to find the best deal for you, regardless of where you choose to go.