Cheap Pay As You Go Car Insurance Deals | Free Quotes Online

Here's How to Discover the Cheapest Pay As You Go car insurance Rate

The single most critical factor in getting a cheaper pay as you go car insurance is shopping around for as many quotes as you can. How many? you should go for at least 5 quotes from different auto insurance companies, less than that will simply not do the job.

Now, the problem is that shopping around for five quotes can be a tedious and time consuming task - well, not anymore, now it can be much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location. in order to maximize your chances of getting the best rate possible we recommend you use both services:

InsurMe - May save you hundreds on your car insurance. Simply enter in your zip code and get free quotes from providers in your local area that offer great rates.

Kanetix - Provides multiple company insurance rates, see how companies compete for your business. Offers great rates from quality insurers.

Once you have in your hands several quotes, you can use The Car Insurance Price Comparison Tool to make sure you compare "apples to apples".

Here are your options for obtaining a pay as you go car insurance policy

With regard to drivers merely employing their vehicles occasionally, the high the price of auto insurance could be quite challenging. Furthermore, drivers belonging to so-called high-risk groups, including young and seniors drivers, will often be hit with significant rates, in spite of merely using their vehicles occasionally.

A simple solution could possibly come in the form of ‘pay-as-you-drive’ car insurance, which usually counts your miles while you drive.
So how exactly does pay-as-you-drive auto insurance work?

Pay-as-you-drive works by using a small telematics gadget - known as ‘black box’ - suited to your vehicle which in turn uses satellite systems to track your miles, with drivers capable of keep track of their driving habits on the internet.

Black box concept also tracks things such as speed, braking, cornering, and trip time, allowing insurance companies to consider these types of variables into consideration whenever exercising the price of premiums.

Usually, drivers are billed a set sum annually and permitted to drive a specific amount of miles prior to being charged excess. Insurance providers like Coverbox and Insurethebox let you top-up your miles in packages of 250, 500 or 1,000 miles that you can roll over to the next year if unused.
Who benefits from pay-as-you-drive auto insurance?

Making use of statistics shows that younger drivers are more inclined to have accidents and make insurance claims compared to some other age bracket, drivers under the age of 25 will probably gain most from pay-as-you-drive plans.

Study from the AA places average rates for men drivers aged 17 to 22 at more - having to pay just for the miles a person drive may help car users control that cost.

Motorists utilizing their vehicles outside of top traffic hrs may also save, as a number of insurance companies charge less for miles driven when the highways are emptier and accidents not as likely.
Benefits to pay-as-you-drive insurance

Quite simply, the less you drive - and the safer your driving - the greater you stand to reduce insurance. Additionally, as vehicles spend fewer hours traveling, the amount of accidents lowers - the car insurance industry has expressed that telematics insurance products reduce accident rates by about 20%.

Pay As You Go Car Insurance Video

Pay-as-you-drive car insurance may have a good effect on environmental surroundings, with folks more prone to ditch their cars in preference of public transport if they knew their payments might increase when they could surpass a specific number of miles.

The black box also will act as a monitoring device, which means that stolen autos could be traced very easily.
Drawbacks to pay-as-you-drive auto insurance

Several aspects, like moving house or career, have the possibility to affect the volume of miles you drive per week, even though the concept that you might be penalized for absent-mindedly going above the speed limit might make drivers stressed.

Black box devices may also be not able to differentiate among drivers, which means that if different people are all utilizing the same vehicle, they might become charged at the same amount as the most highly-priced driver.

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Meir Liraz