Shopping for Month to Month Car Insurance

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People are looking far and wide for ways to save money on their necessary expenses these days, and car insurance definitely qualifies as a necessary expense to nearly every adult American. No one wants to get pulled over and not have a response when the police officer requests proof of insurance. One answer that does not seem readily apparent, but is becoming important for many drivers, is month to month car insurance.

Car insurance rates are a murky subject, and apparently no one knows just how they are calculated except for a couple people who work deep in the bowels of each of the big insurance companies. Almost like the secret recipe for Coke. In any case, there are many factors that go into determining how much each of us pay in average monthly car insurance payments – including driving record (the single biggest factor), age, credit rating, make and model of the car you drive, and a bunch of other factors. In fact, your grades can even get you a discount, so do not forget to study for that test coming up.

Shopping for month to month car insurance was easier than I thought. After going to my local insurance agent and finding out that they did not have a plan that allowed for more frequent payments, I shopped around online and got multiple car insurance quotes from a bunch of national brands, all of whom had local agents I could talk to. I called each one of them up, and actually went to visit a few too. They outlined the different plans they had, including options for paying more often than every 6 months like everyone else. Given how my job works it is not easy to save up for 6 months for a lump sum payment, especially considering how little fun it is to save for car insurance. As such, I picked a monthly payment plan that had the lowest additional fee per payment – $2 each. I want to save money as much as the next guy, but paying $24 a year extra in order to relax and not worry about my insurance payment is totally worth it. My car insurance monthly rates barely changed, and I was free to live with a bit less stress. It even has started helping out my credit score, since I am now making regular and consistent payments!