It's possible that the deal is too good to be true, but you can still end up financially ahead.
If you have seen advertising claiming that auto insurance can be purchased for as little as $19 per month, you have probably asked yourself, "Is this true, or is this just clickbait?" The correct response is...both. These advertisements will link you to websites that will help you find the most affordable monthly premium that is accessible to you. There is a possibility that someone, somewhere, is qualified for insurance that may be purchased for as low as $19 per month. But, odds are, it's not you. The slogan "for as little as" is the focus of these advertisements.Key Takeaways
When it comes to vehicle insurance, advertisements that guarantee coverage for as little as $19 per month sound like they are too good to be true... and almost always are. Although it's possible that someone, somewhere, qualifies for the vehicle insurance offer for $19, the likelihood is that your cost will end up being significantly higher than that. Visit the website of the Better Business Bureau to read customer reviews and find out if any company that promises a monthly car insurance bill of less than $19 has been the subject of any complaints. It is important to keep in mind that there are more ways to reduce the cost of auto insurance, such as comparison shopping, monitoring your credit, and evaluating your coverage and deductibles.Websites Offering Auto Insurance for $19
If you are interested in learning more about the $19 bargain, simply go online and search for "$19 auto insurance" to see what results come up. You will be directed to a site or sites that provide a comparison of the prices offered by various insurance companies. Some companies have a comparison tool that can be used online. In order to use this tool, you will need to provide responses to a number of questions concerning yourself, your vehicle, and how you use it. Some websites will strongly encourage you to get in touch with a customer service agent. Be wary of the person you are transacting with at all times, whether you are providing information online or speaking with a representative over the phone; this applies to any kind of online shopping experience. There is no reason to doubt the reliability of the insurance companies whose estimates have been obtained. It's possible that the website you're looking at or the person you're talking to isn't legitimate. To set the record straight, in our search for an auto insurance policy with a monthly premium of only $19, we concentrated our efforts on a single website. The person who requested a quote was an older woman in a state with the nation's lowest average insurance costs who drove a vehicle that was not particularly expensive and had an impeccable driving record (North Dakota). There was not a single result that came even close to the cheap price of $19. Therefore, does that imply that a car insurance premium of only $19 per month is not possible? It is difficult to state with full certainty, but at the very least we can say that it is exceedingly improbable. If you do find a price that low, you might want to see what the Better Business Bureau has to say about the company that is offering it before you commit to doing business with them.How to Get a Lower Rate on Your Automobile Insurance
Even if you might not be able to find auto insurance for just $19 per month, that does not imply that you cannot find ways to save money, possibly even significant amounts of it. Here are some helpful hints: Compare your options: This one should go without saying. Get price estimates from a minimum of five different insurance providers. Ten is better. You are going to be astounded by the variety of price points. Check your credit score: When you get an auto insurance policy, the insurance company will normally check your credit score. If you have good credit, you should expect to pay less for your auto insurance. Make every effort to keep your credit history spotless, and if you do find any inaccuracies, be sure to have them fixed. You can save money by lowering the quantity of coverage you have and/or increasing the amount of your deductible. You can save money by doing either one of these things, or by doing both. In the event that you get into an accident, you should make sure you are financially prepared to pay for the costs that come out of your own pocket. One option that is both simple and convenient is to eliminate collision coverage on an older vehicle that might not be worth the cost of an expensive repair. Use all of the discounts that are available: Insurance companies give a wide variety of discounts, particularly to motorists who have a history of careful driving. However, there are others that provide discounts to professionals in low-risk employment, good students, recent graduates, members of vehicle clubs, and much more. When you bundle multiple insurance policies with the same provider, you will almost always end up saving money. There is no better strategy to lower your auto insurance premium than to have a good driving record.The Crux of the Matter
It is usually a good idea to examine your insurance coverage on an annual basis and shop around for other quotes to ensure that you are receiving the best possible deal. You can use these websites to help you shop, but you should always be careful and do your own research before signing up for the next great deal.