If you’re shopping for cheap car insurance online, you may have come across results that claim to offer auto insurance for as low as $19 a month. A lot of people often might wonder if such an offer is for real.
Is it even possible to find an insurance company offering car insurance for $19 a month?
In this post, we’ll tell you the real deal behind the $19 car insurance ads and what you should really know about them.
What exactly $19 Auto Insurance Websites are all About?
If you simply Google “$19 car insurance” (remove quote marks), you should get a list of websites promising the low monthly car insurance premium.
Typically, you will need to fill out some basic information about yourself, your car and your insurance needs before they show you the low car insurance online quotes.
In many cases, they will also offer you an option to call a number and speak to a live agent. However, if you’re not really comfortable with that option, you can probably choose to go down the online route.
The online option will require that you answer a few simple questions and then lead you to a few insurance companies, offering you an option to click on each potential insurer and get a quote from them.
By now, you must see what those websites actually do – get a commission if you sign up with any of their recommended insurance companies. So, basically, the list of questions is designed to provide you with a list of insurers based on your actual needs.
However, it’s not any different from buying car insurance online by yourself.
Now, the million-dollar (really?) question is: “Do they really offer an auto insurance quote for $19 a month?”
The plain simple answer is “NO”!
The car insurance quote you get is hardly as low as $19. Even if you enter information (a state with low avg. insurance costs, single status, great driving record etc.) conducive to getting a low car insurance quote, you’re unlikely to find any close to $19.
The Bottom Line
The objective of these websites is not exactly to offer a $19 car insurance quote but to provide you with a list of low auto insurance quotes based on your needs.
So, does that mean a $19 car insurance deal doesn’t really exist?
Well, if you have ever tried the steps we’ve mentioned above, you know it’s very difficult, if not impossible.
But, well, at the end of the day, you really don’t want to go for low car insurance for the heck of it. In fact, auto insurance is only as good as the coverage it offers. So, it’s not always about getting a low monthly premium car insurance.
How to Get a Low Car Insurance Quote
Just because you can’t get car insurance for $19, it doesn’t mean it’s the end of the world for you. It never is.
In fact, your goal should never be to grab the lowest monthly car insurance premium available – in the long run, you may regret not considering other factors.
This is exactly why you should consider finding a low car insurance quote that also offers optimal coverage. Here are a few tips which could help you get a low auto insurance quote.
Shop Around: If you’re looking for a low car insurance quote, you should shop around until you get one. In fact, you’re more likely to get one if you know how to shop for low car insurance quotes.
Check Your Credit: Your credit scores play a key role in getting you the best car insurance quote. So, you should try to maintain a clean credit record and possibly, fix any potential errors before applying for shopping for insurance. Insurance companies check your credit scores to determine your insurance premium.
Lower Your Coverage & Raise Your Deductibles: This one is a tricky one but you should try your best nevertheless. Try to tweak your coverage so it keeps you adequately protected while opting for liability coverage only for your older vehicles.
Take all Available Discounts: Insurance companies offer different types of discounts. So, you need to ask them about the discounts available and lower your monthly premium.
Maintain a Stellar Driving Record: It goes without saying but still, you should know you can save on your auto insurance bill just by being careful about driving.