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Are you looking for the first month free car insurance? If you need car insurance now but can’t afford to make a down payment, you are not alone. Plenty of people find themselves in this same situation every day. Car Insurance is an expense that almost everyone has, and rates have gone up quite a bit the past few years.
The good news is some insurers have auto insurance policies that can help those low on cash, like first-month free auto insurance. They understand that many drivers need coverage with as little out-of-pocket expense as possible. To compare rates and plans, get a free online quote. Start by entering your zip code.
Why do Insurers offer Car Insurance First Month Free no Deposit?
A select few auto insurance carriers have deals for those who are strapped for cash, including zero down policies. There’s a simple reason they offer these deals.
With so many companies to choose from, insurers need to offer special incentives that sets them apart from the competition.
Zero down car insurance policies are an easy and effective way to attract new customers, such as yourself. It’s important to note; there is no such thing as free auto insurance for a month. Insurers are in the business of risk mitigation. They would never insure a vehicle without first getting a payment.
With first month free car insurance, it means not having to make any deposit to activate the policy. When you make your first installment payment, then your policy will be bound and active. Not all carriers offer these types of deals because there is a higher probability of losing money on the policy. In addition, many clients that want very cheap car insurance no deposit often pay their installment payments late or frequently cancel their coverage.
What are the Benefits of First Month Free Car Insurance?
It’s no surprise that the most significant benefit associated with auto insurance with the 1st month free is delaying payment. The good news is that you’ll get coverage for your vehicle without having to pay out the money you don’t have. If you need immediate insurance so that you can drive your car back and forth to work, this is a great option. Even better, your policy won’t change in the second month.
How to Qualify for First Month Free Auto Insurance
Finding insurance with no deposit for the 1st month of coverage will require some work on your part. Of course, this may well be worth the effort and time.
Not everyone will qualify for first month free car insurance, and these types of policies can be challenging to find. Drivers with good credit and a solid track record with continuous coverage have a greater chance of qualifying. Get a free quote and compare the best rates and coverage from multiple providers in minutes. Enter your zip code and fill out an application.
Factors Affecting Getting Car Insurance First Month Free
How easy or hard this is will depend on several factors. They include:
• Your driving history: If your driving history is blemish-free, insurers are more likely to offer you this deal. On the other hand, if your driving record has a few tickets or accidents on it, you may not qualify.
• The cost of your car: If you drive a high-end vehicle with an equally impressive price tag, insurers will be reluctant to give you your $20 down payment car insurance. There’s a good reason for this. They’re taking on too big a risk.
• Safety features: Having a car equipped with certain features, such as anti-theft protection, is something an insurance company appreciates. While decreasing the chances of your vehicle being stolen, it also increases your chances of qualifying for a cheaper insurance rate.
• Past history with the company: If you are currently using a car insurance company and are getting ready to renew your policy or have used them in the past, you have a better chance to qualify. You may be given this offer in “good faith.” This is because the company already respects you as a customer and wants to ensure you stay happy. Of course, you won’t know if you are eligible until you apply.
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Will You Save Money with this Type of Coverage?
Yes and no. Yes, you will save the money you would have been expected to pay for your first month’s coverage, but this may cost you more in the long run. Here’s an example:
Let’s say a company offers you a $1,100 for a 12-month policy. They agree to let you forgo the month’s payment. Instead, you’ll pay $100 a month for the next 11 months without any penalty. That’s great, but it may not be the smartest thing to do. Your insurer may also agree to give you as much as a 5% discount if you pay the entire premium upfront. Instead of paying $1,100, you will pay $1,045 for the 12 months. This decision will save you about $ 55. As they say, “cash is king.” You can save more on auto insurance by paying the total amount of the premium upfront.
When is it Good to Get Car Insurance First Month Free no Deposit?
If you’ve just spent a considerable chunk of money on a new car, along with all the extra fees that come along with it, this might be your best choice. It might cost you a little more, but you will get covered.
If you have the money to pay the entire insurance premium upfront, this is the best deal because you badly need it.
It’s important to remember that you should never go with the first car insurance quote you get. Take the time to go over multiple quotes. Check out at least 5-10 from a wide variety of insurance companies. In addition to looking at more significant carriers, such as State Farm, Progressive, and Alliance, consider lesser-known companies.
They are often less known but usually have some of the best rates. Also, be sure to get quotes from online companies and in person at local agencies. Yes, this will take a little bit of time, but not near as much as you might think. Thanks to the internet, you can get numerous quotes in as little as five minutes.
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Considering Your Other Options for Cheap Car Insurance
Just because you don’t qualify for the first month free car insurance policy doesn’t mean you won’t be eligible for other inexpensive policies that still provide the coverage you need to get your car on the road. In fact, with a bit of motivation on your part, you may find that you can get an even better deal. For example, you may be able to find zero down car insurance policy. Again, this depends on several factors, including your driving history and the automobile’s value you want to insure.
Are You Eligible for a Discount?
Whether or not you qualify for nothing down car insurance, you’ll want to look into any discounts you may be eligible for. For example, there are discounts for:
- Good Drivers – Motorists that have no accidents or tickets on their driving record can save big.
- Senior Citizens – This discount typically includes anyone over the age of 65
- Garaged Vehicle – If your vehicle is protected from the elements and thieves, you can 2% or more
- Teacher or College Professor Discounts
- Good student – This discount depends on both your grades and your attendance record
- Active Military Member or Veteran
- Active or Former first Responder
The truth is that almost everyone qualifies for a discount. However, you usually have to ask for it.
Compare First Month Free Car Insurance Policies Online
Now that you know some of your car insurance options, including possibly qualifying for an auto insurance no money upfront policy or a no down payment car insurance policy, it’s time to start your search. The best place to compare quotes is on the web. Sites like Direct Auto Insurance have to make comparing rates super fast and easy. Whether you need basic liability insurance with no deposit or full coverage for multiple vehicles, it’s easy to comparison shop quotes and coverage.
In just a few minutes and a little bit of effort on your part, you can have your vehicle insured and legally on the road. Start your free quote and get the coverage you need online for less. Enter your zip code and start the quote process.