Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer

UPDATED: Oct 1, 2020

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Learn the Benefits of No Down Payment Policy

Regardless of the provider, every car insurance policy needs a down payment before the coverage begins. The amount, as well as the payment options, can differ depending on the insurer, your location, credit history, driving history and much more. Some companies might accept multiple payment methods. Therefore, it’s prudent to choose the best option that allows you to pay on time.

Payment Options

Depending on the insurer, you can either choose to pay via a mobile app, over the phone or in person. On the other hand, you can use a money order, check, electronic funds transfer, credit or debit cards.

Your payment schedule depends on your budget for insurance payments. Most people prefer paying the entire policy up front since there are some bonuses and discounts. On the other hand, if you can’t afford to pay everything at once, you can always set up a payment plan. Of course, the latter comes with an installment fee that can accumulate with time.

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No Down Payment

Some auto insurers offer to waive the down payment but apply the first-month premium as the down payment. Therefore, regardless of the terminology, you still have to pay something upfront. People with bad credit and driving history should expect to pay a substantial amount the first time around.

When looking for car insurance, you need to shop around and find the best insurer with favorable preferences. Don’t settle for the first offer you get. If possible, you can always seek the expertise of an insurance broker or agent. These individuals have knowledge of the best insurers in town and can get you the best cover effortlessly.

Before signing the dotted line, you should look at the monthly payment options available on your car insurance and make sure they are favorable to your budget.