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.
Of course, the opposite is equally true. If you are the only driver on your auto policy, it can be difficult to find the right car insurance for singles. If you’re single, then you likely have fewer needs with regards to 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.
Read on to learn how to get the best car insurance for singles.
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
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. 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.
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.