How to Get the Best Car Insurance if You’re Single
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Single-person car insurance policies can be cheaper than multi-person and multi-car policies, since you won't need to insure as many people and you can limit which coverage options you need.
One of the difficulties of finding the right car insurance policy is figuring out what plan fits the needs of all the named drivers. 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 a vehicle is no easy task.
If you’re single, then you likely have fewer needs with regards to your car insurance than the typical married 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.
Read on to learn how to get the best car insurance for singles.
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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 a 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.
Look at all the available discounts for single drivers
Most auto insurance companies offer a number of different discounts to make a plan more appealing to you. When shopping around, ask carriers what discounts they can offer you with regards to car insurance for singles people.
They may have discounts for the fact that only one driver will be operating your car, or that you’re driving a certain number of miles.
Ask about clean-driving bonuses
Auto insurance companies offer bonuses and discounts to drivers who have clean-driving records.
The more people there are 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, you have greater odds of qualifying for a clean-driving bonus.
Find a plan that fits your specific needs
The biggest key to finding cheap car insurance for singles is to be aware of your specific needs and land on a policy that meets them. And, just as importantly, you need to find a policy that doesn’t cater to needs you don’t have.
For example, if you are a great driver, you might not be as worried about having more liability coverage than the minimum amount required, whereas a multi-person policy might need more coverage.
As a single driver, you likely have fewer car insurance needs than a couple or a family. 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 for singles doesn’t need to be a hassle. It’s a relatively easy process, and your wallet will thank you.
Do married or single people pay more for car insurance?
Technically speaking, single people pay more for car insurance, per person. Married couples will pay less than they would by themselves through multi-car and bundling discounts. However, single people only need to pay for one person.
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