Hacking Lower Car Insurance Rates

Hacking Lower Car Insurance Rates


Look. Getting cheap car insurance is NOT a myth.

It can be done.

You just need to know what to look for and WHERE to look.

We all know those “big name” car insurance companies that literally spend BILLIONS on their TV commercial ads.

But you’ll also notice that they tend to have the higher rates when it comes to most car insurance situations. (That is usually because they spend so much money on advertising they have to make up the difference somewhere.)

They also are less tolerant of bad driving records and are usually only good at saving you money when you have a bunch of insurance policies to bundle together.

But what if you just want to be legal, and that’s it?

If that’s you, then you’ve come to the right place! We have over 10,000 car insurance customers that just want to cheap, fast, car insurance.

And hey, there is absolutely nothing wrong that! You’re budget conscious and that is a good thing! You want to lower your monthly bills so you can save money for your family. We totally understand that and want to help you.

So let’s get into it:

How to “hack” cheap car insurance rates where you live:

Let’s start with these 6 steps:

1. The number one key to getting cheap car insurance rates is to go to an independent car insurance agency. 

NOT one of the big name, “as seen on TV” agencies.

There’s not necessarily anything wrong with those agencies, it’s just an independent agency has more options for saving money and finding you discounts.

Those TV insurance agencies only have one option for you. If their option doesn’t work for you, or will cost you big bucks, then you’re out of luck.

An independent agency on the other hand, like ours, has partnered with lots of high rated insurance companies so they always have many options and can match your current driving record and situation with one of their top tier insurance companies.

2. Next, you’ll want to use an online quoting system that will shop and compare all those companies at once.

(If you want to try ours real quick, just click here)

This will not only save you money, but will also save you a ton of time from having to drive from insurance agency to insurance agency shopping around their rates. An online quote system will knock this out for you in a matter of seconds.

3. Then you’ll want to double check all your available discounts  for your situation.

Discounts can vary greatly from company to company so you always want to answer the questions truthfully. (This actually allows you to save the most money)

We’ve had customers tell us they were single, because they thought that was cheaper. In reality, they missed out on the marriage discount most companies offer!

That’s why it’s always best to be truthful and let our Discount Specialists do their money-saving magic.

4. If you’re a young driver who still lives at home, see if you can partner up and add a parent who lives in your household on the policy as well.

They can still keep their current insurance policy if they have one, but by putting them on your car insurance policy, it will often lower your rates because you can tap into your parent’s car insurance discounts they already have in place.

5. Switch vehicles to lower your auto insurance rates. I know you don’t want to hear this, but you may have to switch to a cheaper vehicle.

I see it time and time again, if you are under the age 25 and driving a newer vehicle with full coverage, your rates are going to be higher. There is no way around this. I’m just being honest with you!

If you REALLY need to lower your monthly bills, the best suggestion here is to switch to a less expensive vehicle and just get basic liability insurance on it.  I know, I know, that’s not really a “hack” but it is definitely something to consider. (If changing vehicles is absolutely not an option, then this would be a good time to consider adding a parent to the policy)

6. And the finally hack for getting cheap car insurance in your hometown is a simple one:

Drive smart.

It’s amazing how many people come to get an insurance quote and then get mad when they can’t find low rates, because they have 2 DUI’s, a reckless driving ticket and 3 speeding tickets.

Look, things happen. We understand that, and we can still get you lower rates than pretty much anywhere else, BUT after you get one speeding ticket – learn your lesson and drive the limit! (Hey, I’m not here to sugar coat things, I’m here to help you lower your insurance rates right?!)

But even if that’s you, don’t worry!

We have companies that actually specialize in getting low down payments and low monthly payments for those with bad driving records.

We have companies that will still write your car insurance policy even with DUI’s, DWI’s, at-fault accidents, SR-22’s and speeding tickets.

We got you covered and with our connections to over 30 top-rated insurance companies we will find your super low car insurance rates and make sure you are one happy customer!

Just click HERE and let’s get you covered for less:

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