On a tight budget you want to not overspend on your auto insurance needs. If you want to be legal and drive your car you have to have insurance. Getting a cheap deal on auto insurance in Louisville area is possible if you know what to do. It can be easier than you think to get an affordable rate for the insurance that you need.

Search Engines for Quotes: You can find a quote very efficiently and easily by inputting your information into an auto insurance search engine. These sites are designed to search quotes for you. It saves you a lot of time and effort when the engine knows what you want. It will then show you the top five choices they found that meet your needs.

Zero Money Down: Often a company will offer you no money down options to get you on the road and legal. They will offer a pay in thirty day option that gives you a grace period to pay your first payment. On a tight budget this can help greatly. You just need to make sure that you make the payment on time.

Deductible Options: Ask for option on deductibles. This will give you an idea of just how cheap you can get your policy. A thousand dollar deductible will get you a much lower premium than a five hundred dollar deductible. You pay more out of pocket but it could be a good solution for you if money is tight. Make sure you put away money in savings if you go this route.

Online Payments: Several insurance companies offer a break on their rates if you agree to online payments deducted from your checking account each month. This is also a good option for you because you know your insurance is paid every month and you do not have to worry about your policy lapsing in any way.

Rewards: Many companies now offers incentives for people with good driving records. If you are one of these people you can get rebates from your good record. The company will take off money on a monthly basis or refund you a certain amount of your premium for being accident free. You can in turn use this to pay your premium and it is like getting a free month of insurance.