3 Great Tips For Finding The Most Affordable Car Insurance

Drivers in virtually every state are required by law to carry an auto insurance policy that protects them and others on the road. While this may seem straightforward enough, comparing auto insurance policies can quickly come to seem like more stress than its worth. For this reason, many drivers simply give up and resign themselves to paying far more than they need to for an auto insurance policy. To avoid this, take a look below at just three of the most helpful tips for finding a cheap auto insurance policy that works for you.

Search Out Hidden Discounts

Naturally, most auto insurance providers don't advertise the full range of discounts they provide. That said, there are a variety of significant discounts — one or more of which is likely to apply to your situation. These include discounts for safe drivers and drivers whose cars are equipped with various anti-theft features, students with an outstanding grade point average, drivers who have a record free of any accidents or other incidents, and drivers who agree to pay their entire annual premium upfront. If you are curious about which discounts you can take advantage of, don't hesitate to ask an insurance representative.

Find Policies That Insure Low-Mileage Drivers

Low mileage drivers — often considered those who drive their vehicle for fewer than 10,000 miles each year — usually assume that they are forced to pay the same rates as drivers who rack up several times the annual mileage. Yet many insurance providers offer substantially lower rates for low mileage drivers. While many of these providers are smaller local or regional ones that may take a bit of extra time to locate, they can often be well worth it if you do not drive your car more than a couple dozen miles each day. 

Consider a Higher Deductible

The option of a higher deductible — that is, the amount of money that you must pay out of pocket when you make a claim — isn't for everyone, but drivers with an impeccable safety record should at least consider it. This is because choosing a higher deductible almost always means paying a lower premium, which is likely to mean big savings in the long run, assuming you are not involved in any major accidents. If you are a safe driver who uses your vehicle to commute short distances, then having a cheap auto insurance policy may be as simple as opting for a higher deductible.

For more information on cheap auto insurance, contact a company like Clover Insurance.