Most auto policies are sold on a six-month or twelve-month basis.
However, for those with financial difficulties that need to have lesser payments per month, you can arrange car insurance monthly payments.
These can be arranged with little or no down payment, and low monthly payments.
Though this may not be the least expensive way to get coverage, it might the only option that works for you.
As rates can vary so much, it is advisable to compare at least four companies before deciding on one in order the get the best deal.
Be sure to compare the same features for each.
If the companies don't offer the exact same features, compare the ones you want as closely as possible.
That is the only way to be sure you are getting the best rate for the desired features.
Price is not the only thing to compare.
Lower rates do not necessarily mean it's the best option.
Various service considerations are important.
For example, some companies handle claims in an efficient manner, with less paperwork and quicker payouts.
That is an important consideration.
Also, the ability to contact someone when needed is important.
Other things to check out on a company before doing business with them is their financial security and their licensing.
A company that can't prove financial security may be out of business when you need to make a claim.
Check that they have been around for a while and will likely remain in business.
Also, check that they are licensed to sell policies in your state.
Don't discount your feelings about the company.
If, in doing business with them you feel any unrest, pay attention.
It is possible you subconsciously sense something amiss.
Check more thoroughly if you have any doubts at all.
It is better to take the time to check things up front than to be unpleasantly surprised.
You can get quotes online without revealing personal information such as social security numbers and such.
However, when getting quotes, be sure to give accurate information about tickets, accidents, extra drivers, and anything that might affect the quote.
They will check everything, and if you have misrepresented about anything, you will not get an accurate quote.
Car insurance monthly premiums will be a slight bit higher per month that the overall premium paid in one lump sum.
However, it may be the best option if finances are tight.
This might be a temporary solution for you until things get better.