One of the difficulties in finding the right car insurance policy is figuring out what plan fits the need of all the drivers on it. Auto insurance companies offer a bevy of different options and features, and finding a plan that fits the needs of all the drivers who will be utilizing it is no easy task.
Of course, the opposite is equally true. If you are the only driver on your auto insurance plan, it can be difficult to find the right policy. If you’re single, then you likely have fewer needs with your car insurance than the typical couple or family. As such, you don’t want to end up paying extra money for car insurance features that you don’t use or need.
In this article, Part 1 recommends you consider a pay-as-you-go plan, Part 2 advises that you take into account any discounts, Part 2 suggests you ask about bonuses for clean driving, and Part 4 recommends finding a plan that fits your specific needs.
Part 1 of 4: Consider a pay-as-you-go car insurance plan
If you have a few people on your car insurance, it’s nearly impossible to gauge how many miles will be driven. However, if you’re single, you may have a good idea as to how many miles you drive on a monthly basis.
Many car insurance companies offer pay-as-you-go, or pay-as-you-drive (PAYD) plans, where your rate is dependent on how much you drive in the month. If you commute a lot, or are a constant road-tripper, then a pay as you go plan will likely cost you more money than a standard one. However, if you don’t use your car often, and you don’t share your plan with anyone, pay-as-you-go is a great way to lower your rates.
Part 2 of 4: Look at all the available discounts
Most auto insurance companies offer a number of different discounts, to help make a plan more appealing to you. When shopping around, ask car insurance providers what discounts they can offer you as a single driver. They may have discounts for the fact that only one driver will be driving your car, or that you’re driving a certain number of miles.
Part 3 of 4: Ask about clean driving bonuses
The more people on your car insurance plan, the higher the odds that someone has been in an accident or two. However, if you’re a single driver, then the odds are greatly increased that you’ll qualify for a clean driving bonus.
Auto insurance companies offer bonuses and discounts for drivers who have clean driving records, and the fewer people are on your plan, the better your chances of qualifying.
Part 4 of 4: Find a plan that fits your specific needs
The biggest key to finding cheap car insurance if you’re single is to be aware of your specific needs, and find a car insurance policy that fills them. And, just as importantly, find a policy that doesn’t fill needs you don’t have.
As a single driver, you likely have fewer car insurance needs than a couple or a family would. Before shopping around for the best prices, think about the things you need from a car insurance plan, as well as the things you don’t need. Have a list prepared, so that you are in position to find a policy that perfectly aligns with what you are willing to pay for. That way, you can take advantage of the fact that you’re a single driver, and get the cheapest car insurance available.
Finding cheap car insurance if you’re a single driver doesn’t need to be a hassle. It’s a relatively easy process, and your wallet will thank you.