I really need cheaper auto insurance
Since I’ve started working again, we’ve struggled a bit only having the one car. So this weekend, we finally went and got a second one! It’s only small, and it’s not the best one in the world but it doesn’t need to be used all the time – only when both me and dear husband are working.
Unfortunately, that means even more bills! Before I can start using it, we need to sort out an insurance policy for it. I’ve spent the past few days looking up who has the cheapest auto insurance, (looking up here by the way: https://www.autoinsurancemonkey.com/who-has-the-cheapest-auto-insurance/) and whether it makes more sense to insure both together or separately. I’m really hoping we can find a good joint policy.
We’ve got a quote from our current providers, so we’ve got a baseline of what we’re looking for – if it’s not as cheap or comprehensive as our current one, then we don’t need to consider it. This makes it much easier – I hate not having any idea of a start point, so knowing what we already have in mind is helping. I have been hoping that we might be able to get a good deal by changing though, so we’ll have to see.
We want to avoid a down payment if possible, and I’m anxious enough about driving that I definitely want comprehensive cover. If anything happens I don’t want finances being an extra worry on top of things. With those two things in mind, it does make it easier to narrow down our options because we can write off a lot of policies straight away. We’re doing the initial searching online, then calling to see if they can give us more advice or offers.
Personally, I’d rather put both cars on the same policy just for ease, but if it’s much more expensive than I probably won’t. It’s definitely my current thinking though, so most of my searches have been about who has the cheapest auto insurance for multiple vehicles. It’s just easier to only have to think about one payment and one policy than remember both and what the differences between them are. Unless there’s a huge difference, I’ll probably just take this route because it’s simpler. Plus, I’m hoping to put the kids on the policy next year so they can start learning to drive, so being able to have them on both vehicles means they can get a bit more experience, which is always good.