First Month Free Car Insurance

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First Month Free Car Insurance

Do you need affordable car insurance but are low on cash? Obviously, saving money on car insurance is the dream of every car owner. Some companies offer first month free car insurance discounts. The question is, is it really available? It would be best if you scanned the fine print of the offer thoroughly for the answer, and you will understand the facts about 1st month free car insurance offers.

It is attractive in theory, and you get free coverage for thirty days without paying a penny. After the free period is over, you may pay a premium and continue with the policy. On the other hand, you cancel the policy and discontinue it. For the most part, U.S. based insurance companies generally do not have such options. So, are you searching for a free month offer for car insurance? Check all your options by getting a quick online quote. Start by entering your zip code.

First Month Free Car Insurance

Auto Insurance is Mandatory

If you own a car and drive it, you need car insurance. Almost all states have made it obligatory to carry car insurance if you operate a vehicle. If you have no money, you cannot pay even a $100 deposit. This leaves many people in a thought situation. They need to drive but cannot afford to buy auto insurance. Some insurers have helped with deals like first month free car insurance. This helps those in a temporary cash bind get covered without having to put down a big deposit.

Is First Month Free Car Insurance a Real Thing?

Many companies do not offer automobile insurance for the first month free, and many people are confused about it. The right answer depends on the company you are choosing for this purpose and their process of offering you a discount. If the free first month’s promotion is valid and you get real free coverage for one month, you will pay one less premium than a standard policy.

Here’s an example. You have bought a cheap auto insurance policy that costs a total of $1,200 for a year’s coverage. The carrier gives you a free initial month. Then, you will be required to pay the $1,200 in 11 payments. As you can see with this example, you don’t save any money on the policy but rather push back the installment payments. You then pay more in the remaining eleven months but, of course, get the first month free.

There is an ambiguity, and some companies play around with this type of deal. They offer you the first free month, and you don’t pay for it. You are getting no discount, and your free month premium will be adjusted in the end. To be clear, you don’t really get anything for free with this policy but get insured without making the first payment. Some companies use it just for publicity and promotions, and you ultimately pay for a free month in the long run. As always, read the fine print in the policy to know what you are buying and the total cost.

Benefits of Cheap First Month Free Auto Insurance

Even if the company offers you the first free month only, it is beneficial for you. Examples of benefits of this type of policy include:

A Short-term Cash Crunch
You Might Sell Your Vehicle Soon
You Spent all your Money on Buying a Vehicle

Fist free month can help you even if you don’t save money in monthly premiums. If you don’t have enough money to buy car insurance, you can get one full month without paying the premium. If you have purchased a vehicle, it may be useful to have a car insurance discount for the first month without any deposit requirement. You get insurance and pay nothing until the second month of the policy.

Suppose you are down on money and have bought a car with a larger down payment than you expected. You may have no money left for automobile coverage. You have spent all your savings on purchasing the vehicle. You don’t even worry about setting aside money for auto insurance in the excitement of a new car. Your budget is tight due to the payment for a new car, and there are no extra funds in the bank. In this scenario, a free month of car insurance package comes in handy. You will get a month to adjust your budget and manage payments for car insurance going forward.

How to get this Type of Deal

You may browse the pages of different insurance providers and compare their insurance offers and plans. You should request quotes and pay attention to promotional offers from insurers that sell these types of policies. There are different insurance comparison websites where you may compare free month of auto insurance plans in your location.

The web is the best place to find the type of coverage you need at the best rates. Enter your zip code now and compare the best rates and coverage.

Be Careful about High Down Payments and Other Fees

Some insurance providers play “word games” with these types of policies. They may advertise free month car insurance to attract people but then hit you with high down payments and other hidden charges. These insurance providers use different names for these extra fees. In technical terms, they claim to provide you free insurance for one month, but you still end up paying a deposit and or fees.

What Companies Offer First Month Free Auto Insurance?

There are not very many insurers offering auto insurance for one month free. Some companies that have low deposit programs and special discounts are:

  • Progressive
  • Kemper
  • Esurance
  • State Farm

Get Cheap First Month Free Auto Insurance Online

The fastest way to save on car insurance and get deals like the first month free car insurance is to compare and shop plans online. You can save hours using quote engines that help you find the best deals for the coverage and terms you need. Many people save $550 or more with direct insurance plans. Enter your zip code to get started and get the coverage you need at lower rates.