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I was once told that cheaper insurance companies might have worse customer service if you ever need to file a claim. So, while you might save money on your monthly premium, it’s something to consider if you’re willing to take that risk for the absolute lowest cost.
I remember someone mentioning they used to pay between $30 and $35 per month for basic coverage for almost ten years before their company was bought out and the rates went up. This shows that it is possible to find very low rates, but it might take some searching and could change over time.
I’ve learned that some companies offer a discount if you bundle your auto insurance with other policies, like homeowners or renters insurance. While you might not need these other coverages, if you do, bundling could be a way to lower your overall insurance cost.
It seems like the key to consistently getting the cheapest rates is to shop around every 6 to 12 months. Insurance companies often raise rates over time, hoping people won’t go through the hassle of switching. By regularly comparing quotes, you can often find a cheaper option.
I’ve noticed that the type and age of your car can also affect insurance premiums. Since you mentioned owning a high-mileage 2002 Buick, the cost to insure an older, less valuable car with just liability coverage should generally be lower than insuring a newer, more expensive vehicle.
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