If you are low on cash and need insurance it can be tough. There are ways to find cheap auto insurance in Louisville that has good quality. Knowing a few ins and outs of how insurance works when you are shopping for it can give you an advantage in finding a lower premium.
Use a search engine: In looking for quotes use an online search engine to make it easy and find the best deals. Here you can only input your information once and the engine will come up with a top five list that will give you companies you might want to do business with.
No Money Down: in inputting your search, ask for any zero money down option if you are tight on cash right now. You can find companies that will give you a grace period for payment, which is usually thirty days. Also ask for monthly payments as to a balloon payment to spread out the cost.
Deductible Options: Ask for option on deductibles. This will give you an idea of just how cheap you can get your policy. A thousand dollar deductible will get you a much lower premium than a five hundred dollar deductible. You pay more out of pocket but it could be a good solution for you if money is tight. Make sure you put away money in savings if you go this route.
Online Payments: Many times if you have a checking account and want to make monthly payments a company will give you a better rate. They know they are going to get paid and it is one less bill you have to write a check for.
Rewards: Companies offer rewards many times for safe drivers. If you go a length of time without an accident the company will give you money back. In turn, you can use this money to pay your monthly premium costs. It is like getting a free month of insurance and thus saves you money. It is their way of saying thank you for being a safe driver and a good customer.
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