How to Find the Best Black Friday Car Insurance Deals

Black Friday and Cyber Monday have become prime times to find great deals on all kinds of products and services, including car insurance. With some preparation and smart shopping, you can potentially save hundreds of dollars on your auto insurance this holiday season.

This guide will cover how car insurance companies offer Black Friday deals, tips for finding the best discounts, what to watch out for, and how to get cheap car insurance quotes during the holiday sales weekend.

Do Car Insurance Companies Offer Black Friday Deals?

Many top auto insurance providers now offer special Black Friday and Cyber Monday promotions. Here are some of the common car insurance deals you can find during this prime holiday shopping period:

• Discount on 6-Month Policy – Get 25-50% off your car insurance for the first 6 months when you purchase a 1-year policy.

• $100-$200 Visa Gift Card – Get a gift card as a reward when you start a new policy.

• Percentage Discount – Save 15-30% on your total annual auto insurance premium.

• Accident Forgiveness – Purchase of a 1-year policy includes free accident forgiveness.

• Deductible Discount – Get $100-$500 off your deductible for the year.

• Safe Driver Discount – Bigger than normal discount for drivers with a clean record.

While not all insurers offer Black Friday/Cyber Monday deals, most of the major national companies and some local/regional providers offer some type of discounted car insurance promotion around this time.

Tips for Finding the Best Black Friday Car Insurance Deals

Here are some tips and strategies for getting the biggest savings on car insurance this Black Friday/Cyber Monday:

• Start researching early – Begin checking insurer websites and ads 1-2 weeks before Black Friday to find out which companies are offering deals. Sign up for email alerts.

• Compare discounts – Some insurers offer 25% off 6 months while others do 30% off the full year. Compare to find the best discount.

• Look for stackable savings – If you qualify for other discounts like safe driver or low mileage, see if they stack on top of the Black Friday deals for maximum savings.

• Use online quote tools – Compare quotes across insurers all in one place using quote sites like Way.com and TheZebra.com.

• Gather your info – Have your driver’s license, VIN number, and current policy details ready to get accurate quotes.

• Read the fine print – Understand any limitations and the non-discounted rate you’ll pay after the promotional period ends.

• Act fast – The best Cyber Monday deals often sell out quickly. Check early on Monday and purchase as soon as possible.

• Mark your calendar – After purchasing a deal, note when it expires so you can re-shop for quotes.

Taking some time to prepare and using quote sites to compare Black Friday/Cyber Monday promotions can help you maximize savings on car insurance this season.

What to Watch Out for With Car Insurance Deals

While Black Friday car insurance deals can save you a lot of money, there are a few things to be aware of:

• ** Temporary discounts** – Most Black Friday auto insurance deals only last for 6 months or the first term. Make sure you know the rate you’ll pay after the discount period.

• Rate hikes after discount – A small number of insurers hike rates sharply after the Black Friday deal expires, so review the full policy.

• Limited time – The best Cyber Monday promotions often expire quickly, some within hours. Avoid missing out by checking early.

• Eligibility requirements – You may need a clean driving record or minimum credit score to qualify for the best Black Friday discounts.

• Ghost brokers – Watch out for fake insurers pretending to offer unbelievable discounts but just taking your money. Verify licensing.

As long as you read the details carefully, most insurer Black Friday deals can save you hundreds of dollars without surprises down the road.

How to Get Car Insurance Quotes for Black Friday Deals

There are a few easy ways to get quotes and find the best car insurance discounts for Black Friday and Cyber Monday:

1. Use an online quote comparison tool

Sites like Way.com allow you to enter your basic details just once and instantly compare quotes across multiple top insurers. This makes it fast and easy to find the best Black Friday car insurance promotions across many providers.

2. Check insurer websites directly

Many top insurers like Geico, Progressive, and State Farm post their Black Friday and Cyber Monday deals directly on their websites. You can check each site individually and get quotes.

3. Work with an independent agent

An independent insurance agent who works with multiple carriers can help find you the lowest car insurance quotes including Black Friday discounts.

4. Call insurers directly

You can call insurers directly to ask about Black Friday promotions and get quotes from their sales departments. This takes more time but can be worthwhile for some specialized policies.

No matter which quoting method you use, make sure to compare multiple insurers to find the best Black Friday car insurance savings for your particular situation.

Can You Get Good Deals on Car Insurance Year-Round?

While Black Friday provides a prime opportunity to save on car insurance, discounts are available year-round:

• Check for discounts – Car insurance providers offer savings for things like good driving, low mileage, anti-theft devices, and insuring multiple policies.

• Adjust deductibles – Raising your deductible from $500 to $1000 could save 10-20% on premiums.

• Compare rates – Shop around for quotes whenever your policy is up for renewal to find insurers offering better rates.

• Review coverage – Dropping extra coverage like rental reimbursement and roadside assistance can lower premiums.

• Improve credit – Insurers use credit-based insurance scores so improving your credit can help lower rates.

• Take a course – Completing a defensive driving course often qualifies you for a discount of 5% or more.

While Black Friday promotions provide a great opportunity for savings, maintaining good driving habits, having the right coverage, and shopping around can help you get low rates year-round.

Final Tips for Saving on Black Friday Car Insurance

Here are a few final tips for getting the biggest discounts on auto insurance this Black Friday/Cyber Monday:

• Set reminders on your calendar for Black Friday so you remember to shop for deals.

• Enable alerts from your favorite insurers to notify you of sales.

• Shop early on Cyber Monday before the best promotions expire.

• Compare quotes from at least 3-5 different insurers to find the best rate.

• Read reviews of insurers offering deals to ensure good customer service.

• Avoid very cheap quotes from insurers you’ve never heard of.

• If switching insurers, choose a policy start date right after your current policy expires to avoid gaps in coverage.

• Consider bundling home or renters insurance with auto to maximize discounts.

With preparation and smart shopping, you can potentially save $500 or more on car insurance this holiday season using Black Friday and Cyber Monday deals. Comparing discounts across multiple top insurers will help you find the best rate.

The Bottom Line

Black Friday and Cyber Monday have become two of the best times of the year to save big on car insurance. Major insurers now offer attractive discounts like 25-50% off for the first 6 months and gift cards for switching providers.

With auto insurance costs continuing to rise for many drivers, taking advantage of holiday season promotions is a smart way to lower your rates. Just be sure to read the details carefully and compare quotes across insurers.

Use this time of year to shop around and find an affordable policy that provides the coverage you need from a reputable insurer. If you find a great Black Friday or Cyber Monday car insurance deal, you could potentially lock in savings for the full year ahead.