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The Fashionable Housewife

The Fashionable Housewife

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5 Facts You May Not Know About Cheap Car Insurance 

Modified on February 27, 2023 at 11:24 PM

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First-time car insurance buyers and experienced drivers alike are often told what they should or shouldn’t buy and from whom. It ends up leaving them confused about how much insurance costs and whether they can save money. In this article, we’ll separate the facts from the fiction.

5 Things You Didn’t Know About Cheap Car Insurance

Whether you are getting your teen driver their first car, use your own car to drive to work or you plan on taking your vehicle with you on vacation, you’ll need insurance. 

Here’s what everyone should know about cheap car insurance.

1. Cheap Car Insurance is Available for All Drivers

There’s a common misconception that cheap car insurance is only available to certain drivers, but that isn’t the case. While you’ll save more on insurance if you’re a good driver, you can still get a good deal if you have 3 or more demerit points on your license or an SR-22 certificate.

An SR-22 certificate is a special type of insurance some states provide while you’re in the process of reinstating your license. The certificate proves your auto insurance policy meets the minimum liability coverage in your state. Eight US states don’t require an SR-22 certificate. 

2. Insurance Comparison Sites Make Shopping Easy

A lot of drivers will refuse to shop for car insurance because it’s seen as a tedious process, even when they know they’re paying more than they have to. But it isn’t hard to see why. You typically have to call insurers individually, ask for a quote, and repeat that process a hundred times.

With insurance comparison sites, you don’t have to do all that busy work. Just enter in your address and car insurance type, and you’ll receive hundreds of quotes from qualified insurers. After signing up, drivers receive their insurance documents immediately in their email inboxes.

3. Usage-Based Insurance Can Save you Money

Some states offer usage-based insurance (UBI) or telematics, a pay-as-you-drive insurance plan that’s based on the driving you do instead of what your insurers think you do. If you don’t drive often, you benefit from all the benefits of usage-based insurance and limit the negatives.

What are the negatives of usage-based insurance? A lack of privacy, sometimes poor accuracy, and steep penalty fees could result if the UBI device detects reckless driving. With that said, drivers in Canada saw a 20% to 30% decrease in their insurance rates when switching to UBI.

4. There Are Dozens of Ways to Get Cheap Insurance

There’s more than one way to save big on car insurance, so don’t stress if you don’t qualify for everything. For example, if you don’t want to switch insurers, you could get a loyalty discount if you’ve stayed with one insurer for many years. A clean driving record is a sure way to save.

Some cars are cheaper to insure, and used vehicles have lower premiums than new ones. Decide against canceling your insurance policy, even if you aren’t driving for a while. It’ll cost you more to insure your vehicle when you start up again. Finally, increase your deductible. 

5. Getting the Coverage You Need Equals Savings

Drivers will often go without to save money, but you should never do this if your coverage is deemed necessary. For example, if you drive every day and only have liability insurance, you could be paying for your own medical or repair expenses if an uninsured driver hits you.

The chances of you getting into a car accident during a 1,000-mile trip is 1 in 366, and 77% of drivers have been in at least one accident. To ensure that you don’t become a part of that rate, it is essential to follow traffic rules and avoid distractions while driving, as well as seek help from tulsa-criminallawyers.com/tulsa-criminal-defense/dui-dwi-tulsa-dui-attorneys if you are facing DUI charges. Since it’s practically inevitable that you’ll be in a vehicle accident, it’s actually much cheaper to buy more insurance now rather than pay later. 

Related posts:

How Does Getting A Speeding Ticket Affect Your Car Insurance?How Does Getting A Speeding Ticket Affect Your Car Insurance? 7 Different Types of Discounts That Car Insurers Commonly Offer7 Different Types of Discounts That Car Insurers Commonly Offer: Are You Eligible? 3 Must-Knows About About Car Insurance And How To Find The Right Policy3 Must-Knows About About Car Insurance And How To Find The Right Policy 7 Different Types of Discounts That Car Insurers Commonly Offer7 Different Types of Discounts That Car Insurers Commonly Offer

Posted By The Fashionable Housewife
on December 16, 2022 at 12:14 PM
Filed Under: Home Life
Tagged With: car insurance, insurance, insurance company

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

Disclaimer

The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We also participate in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

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Sarah-Jean Ballard

Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

I enjoy homesteading, reading, writing, cooking, baking, crafting, home decorating, Xtend Barre, and of course, fashion!

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Work from home? You need @flexispot_official The Work from home? You need @flexispot_official 

Their standing desk and exercise chair is a GAME CHANGER!! 🙌🏻🙌🏻

Whether you have a laptop or a desktop pc, being able to adjust your desk at the push of a button and stand for a while is absolutely essential to working long hours at a computer. 

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If putting up your Christmas tree brings you joy, If putting up your Christmas tree brings you joy, go for it!! 

Our new @kingofchristmas 7.5' Queen Flock® Artificial Christmas Tree is absolutely amazing! 🙌🏻🙌🏻

The kids couldn’t be happier so I have no regrets putting our tree up before Thanksgiving. 😂💁🏼‍♀️

Follow my shop @fashionablewife on the @shop.LTK app to shop this post and get my exclusive app-only content!

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Loving our new 5 bin storage unit for the playroom Loving our new 5 bin storage unit for the playroom from @guidecraft_official !!

The bins hold a surprising amount and I love how solid and sturdy this is. Perfect for organizing toys at kid eye level. It’s also great for seasonal home decor! 🤭🍁🍂

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Tell me in the comments! 👇🏻👇🏻👇🏻

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An often-overlooked element to planning your perfe An often-overlooked element to planning your perfect hiking outfit is finding the perfect minimalist backpack! 

You don’t want to be weighed down by an oversized, clunky backpack that boasts all the bells and whistles but delivers nothing more than unnecessary muscle strain. You want a backpack that is minimal on the outside, functional on the inside, and sustainable all around. Waxed canvas is always a top choice for me!

I’m obsessed with this backpack from @hellodayowls 😍

It has that perfect boho minimalist look that I love, in the perfect color for fall. This has become my go-to handbag for autumn. 

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#backpacking #outdoorfashion #wildandfreemama #mountainmama #motherhoodjourney #minimalfashion
I miss summer already 😭 Take me back to a bett I miss summer already 😭

Take me back to a better place 👉🏻 summer time at @storylandnh !! 🥳🥳🥳🥳

Can’t wait to go again next year! 🙌🏻✨🤸🏻‍♀️

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What they remember about their childhood is in you What they remember about their childhood is in your hands 🫶🏻

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This is what our homeschool looks like sometimes. This is what our homeschool looks like sometimes. 🥳

Can’t believe my oldest son is 13 and outside helping dad do home projects like building a new deck. 🤯 Seems like yesterday he was in his walker on this back deck and it looked a lot better 😂

Thankful that @homedepot has great prices so we could finally afford to do this home reno project! 💪🏻🎉

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My first born son turned 13 years old today. 😱 My first born son turned 13 years old today. 😱

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Drop a comment and wish this boy a happy birthday! 🎉🎂 

#homeschoollife #homeschoolfamily #momlife #momlifeunfiltered #momlifeunplugged
Being a mom is hard. Being a mom and trying to sta Being a mom is hard. Being a mom and trying to stay healthy and fit is harder. 🏋🏼‍♀️🥵

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Work from home? You need @flexispot_official The Work from home? You need @flexispot_official 

Their standing desk and exercise chair is a GAME CHANGER!! 🙌🏻🙌🏻

Whether you have a laptop or a desktop pc, being able to adjust your desk at the push of a button and stand for a while is absolutely essential to working long hours at a computer. 

This bicycle chair is designed specifically for this desk and a great way to keep your body moving. You could also use an under desk treadmill like @superun_fitness for even more flexibility! 💃🏼

Just because you have to work at a desk all day doesn’t mean you need to be out of shape. 💪🏻🏋🏼‍♀️🤸🏻‍♀️

Motherhood and working from home is hard. FLEXISPOT makes it easier. 

Check out my blog and search “FLEXISPOT” for more info!!

Comment and tell me how many hours a day you spend sitting! Be honest! 👇🏻👇🏻👇🏻

#motherhood #motherhoodunplugged #workfromhome #athomeworkouts #athomefitness #fitmoms #fitmomsofig
If putting up your Christmas tree brings you joy, If putting up your Christmas tree brings you joy, go for it!! 

Our new @kingofchristmas 7.5' Queen Flock® Artificial Christmas Tree is absolutely amazing! 🙌🏻🙌🏻

The kids couldn’t be happier so I have no regrets putting our tree up before Thanksgiving. 😂💁🏼‍♀️

Follow my shop @fashionablewife on the @shop.LTK app to shop this post and get my exclusive app-only content!

#liketkit #LTKSeasonal #LTKHolidaySale #LTKHoliday #kingofchristmas 
@shop.ltk
https://liketk.it/4n9gW
Loving our new 5 bin storage unit for the playroom Loving our new 5 bin storage unit for the playroom from @guidecraft_official !!

The bins hold a surprising amount and I love how solid and sturdy this is. Perfect for organizing toys at kid eye level. It’s also great for seasonal home decor! 🤭🍁🍂

What’s your favorite piece of furniture in your house?! 

Tell me in the comments! 👇🏻👇🏻👇🏻

#homedecor #momlife #homeorganization #playroomorganization #playroomdecor #homedecorideas #fallhomedecor
An often-overlooked element to planning your perfe An often-overlooked element to planning your perfect hiking outfit is finding the perfect minimalist backpack! 

You don’t want to be weighed down by an oversized, clunky backpack that boasts all the bells and whistles but delivers nothing more than unnecessary muscle strain. You want a backpack that is minimal on the outside, functional on the inside, and sustainable all around. Waxed canvas is always a top choice for me!

I’m obsessed with this backpack from @hellodayowls 😍

It has that perfect boho minimalist look that I love, in the perfect color for fall. This has become my go-to handbag for autumn. 

Perfect for all our outdoor adventures, hiking in the mountains, exploring the woods with my kids, and everything motherhood throws at me! 🥾 🧗🏼‍♀️ 🌲 

Learn more about this bag on my blog 🫶🏻

#backpacking #outdoorfashion #wildandfreemama #mountainmama #motherhoodjourney #minimalfashion
I miss summer already 😭 Take me back to a bett I miss summer already 😭

Take me back to a better place 👉🏻 summer time at @storylandnh !! 🥳🥳🥳🥳

Can’t wait to go again next year! 🙌🏻✨🤸🏻‍♀️

#summertime #familytime #familyadventures #motherhoodunplugged #childhoodunplugged
What they remember about their childhood is in you What they remember about their childhood is in your hands 🫶🏻

#motherhood #motherhoodrising #motherhoodunplugged #motherhoodthroughinstagram #motherhoodintheraw
This is what our homeschool looks like sometimes. This is what our homeschool looks like sometimes. 🥳

Can’t believe my oldest son is 13 and outside helping dad do home projects like building a new deck. 🤯 Seems like yesterday he was in his walker on this back deck and it looked a lot better 😂

Thankful that @homedepot has great prices so we could finally afford to do this home reno project! 💪🏻🎉

#motherhood #motherhoodunplugged #hereisourhomeschool #motherhoodthroughinstagram
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