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Cheap Auto Insurance

OnGuard Insurance offers cheap auto insurance for most drivers and autos. As a leading auto insurance agency, OnGuard has access to multiple companies and we have the ability to quote them all at once to help save you both time and money. Simply answer a few basic questions on our online auto insurance rater and we’ll instantly display the cheap auto insurance rates of multiple “A” rated insurance companies in order of lowest price. That’s right; you’ll get your personalized rate quotes in a matter of minutes. Simply compare, choose & save… Save Big! Finding cheap auto insurance has never been easier!

Cheap Auto Insurance Quotes

To get your cheap auto insurance quotes we simply collect some information that pertains to your particular risk. Once that information is entered into our rater, our site will collect the rates of about a dozen insurance carriers and will display your personalized quotes in a list that includes the 6 month rate alongside the insurance company name that is offering that rate. Quotes are displayed in order of cheapest six month premium. You can enter just one driver & automobile or up to six drivers and cars. Our online rater is also consistently updated with current rating factors to ensure that the auto insurance quotes that you’re getting are as accurate as possible. Insuring your auto for the cheapest possible rate has never been easier; get your free quote in just minutes today!

Finding Cheap Auto Insurance

The unique ability to quote multiple companies at once allows us to help you save both time and money. We all know that choice and competition are 2 of the most powerful money saving tools and OnGuard brings that to you in a fast and easy way. The internet allows us to use the power of technology to cut some of the leg work out for you. You could spend all day entering your information repeatedly over dozens of websites to find the company offering you the cheaper auto insurance or you could simply use our website to enter your info just once and get multiple auto insurance quotes displayed instantly. Finding cheap auto insurance has never been easier with our online platform. Take 3 minutes to see how much OnGuard Insurance can save you on your auto insurance; get your free quote today!

Auto Insurance Saving Tips

Shop Around

Every insurance company has actuaries who determine rates based on many factors such as age, driving experience, zip code, vehicle, coverages and more.  Since each company determines their own rates on multiple factors, there are millions if not billions of rate effecting combinations.  These actuaries can never be perfect in determining the exact rate each person should pay so the more you shop around, the more likely you are to find a company that is underpricing your insurance.  If you and I were to shop 3 different companies, chances are that the same company will not offer both of us the best rate.  Companies also have their niches that they concentrate in being competitive and will often times out price themselves if you don’t fall in their desired client base.  Also, competition drives down prices so shopping around will ensure that you take advantage of this.

Combine Household Vehicles

Almost every company will give about a 20% multi vehicle discount if there are at least 2 vehicles on a single policy.  Too often, people in the same household, even husbands and wives, will purchase separate policies to better track their expenses.  This is just as good as throwing money in the trash because each one will be paying an additional 20% for auto insurance so it is highly recommended to combine policies.  Most companies will allow all vehicles garaged in the same house to be on one policy even if the people are not related, such as roommates living together.

Separate Household Vehicles

I know, this is the exact opposite of what I just told you above but hear me out.  Let’s say you have a Porsche, your significant other has a Range Rover and your 16 year old son has a Kia as his first car.  If you bought a policy all together the insurance company may rate the highest rated driver with the highest rated vehicle so you’ll be paying for your son to be insured on the Porsche even though he never drives it so sometimes it is better to separate policies.  In this case, it would probably be best for you and your significant other to have a policy for the Porsche and Range Rover and for your son to have a separate policy for his Kia.  Please note that your son would not be covered and must be excluded from your policy.  You and your significant other could be added to your son’s policy which wouldn’t cost anything more since the company will rate him on the vehicle since he is the highest risk.

Apply All Discounts

Most insurance companies offer discounts for a variety of things so be sure to ask for a list of all available discounts offered by your company.  Actuaries study everything and anything available to them to determine a risk.  For example, there is a company that determined anyone with a AAA membership is a much lower risk and they offer a 20% discount for all members.  Sometimes you can even take steps to add discounts that you aren’t even eligible for now.  There are also discounts for your profession, your education, your good student and much more so be familiar with the discounts available to you and take advantage of them.  Putting together some of these discounts make it real easy to find cheap car insurance.

Get Correct Coverages

The coverages and limits you purchase play a big role in your auto insurance premium.  Although higher and more coverages are always better and recommended, sometimes you don’t need to over insure yourself.  If you’re looking for cheap auto insurance, don’t pay for coverages or higher limits that you don’t need or want.

OnGuard Insurance is a provider of cheap car insurance by offering a variety of auto insurance companies to choose from.  Simply enter some basic information and you’ll get a list of cheap auto insurance quotes listed in order of price.  Compare, choose and save, save big!  Let OnGuard Insurance find cheap auto insurance for you, get your free quote in just minutes today!