Cheap Insurance — How to Get Low Cost Full Coverage For Your Car With Lessons From an Old Coach


When it comes to finding cheap insurance for your cars it is as simple as doing your research and finding the best fit for your needs. People usually think of their state’s minimum liability insurance when looking for protection on the road. But what if you are looking for low cost full coverage protection and you don’t know how to get it? I’d like to tell you how to get all the coverage you need with lessons from an old baseball coach of mine.

When I was a kid I had a baseball coach named coach Flannigan. «Coach Flan» as we called him had spent some years in the minor leagues and he had all types of great stories to tell us about his one shot at the «bigs». This time in my life was memorable because Flan always encouraged us to do our best and he promised us that our hard work would always be rewarded, in baseball and in life. For about five years he coached me and a bunch of ragtag kids who loved the game and would enjoy every minute of it whether we won or lost. As I write this article I’m remembering the lessons that Flan taught me and I want to use these lessons to help you get a cheap full coverage auto insurance quote.

Flan was a conservative coach to say the least, because he always preached playing with passion and winning with basic skills. He wanted us to win with fundamentals and this is a great lesson in deciding what type of vehicle insurance you need. A lot of times people don’t need total coverage on their automobiles. In order to figure out if you need a cheap full coverage car insurance rate you must ask yourself a few key things.

First of all, if you own your car outright, meaning you have no car payment, then you are only required by law to have the minimum liability coverage for your state. But, if you are still making payments on a vehicle then the lending institution that backed your auto loan requires that you have full coverage to protect your interests as well as theirs.

Secondly, finding cheap full coverage car insurance is going to cost more than alternative liability coverage. You should definitely keep this in mind as you shop around.

Coach Flan really believed in adjusting to our opponents «style of play», meaning that if a team we were playing liked to play a fast paced game then we would, by default, want to slow the game down to a snail’s pace. This is another great lesson in finding cheap full coverage auto insurance. Ask yourself, what is your «style of play» in terms of driving? You can answer this by reviewing your driving record. Are you the type with multiple driving infractions or is your driving record pretty clean? Have you ever had a wreck where your car was damaged and people were injured? If you haven’t are you afraid that you might? These types of questions should be answered before deciding whether to get full protection for your cars or not. So before going out to spend extra money on full coverage make sure you listen to your inner «Coach Flan».


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