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Cheap Auto Insurance

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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Cheap Auto InsuranceFor anyone who takes on the responsibility of owning a car, the responsibility of purchasing insurance comes with it. Car insurance can be expensive unless you do the research necessary to find cheap auto insurance. The economic depression of 2010 showed some decrease in the cost of auto insurance; therefore, there should be something affordable for everyone.

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What is cheap auto insurance?

Cheap auto insurance is simply, affordable coverage on your car, or automobile. Reasonable insurance rates are in demand. Several companies are heeding the voices of consumers and lowering their rates to accommodate this demand.

What also makes auto insurance cheap is its standing in the marketplace. You have to beware of those companies who offer low ball rates to get customers in the door, only to send out a notice that states, after careful review there was an error in your rating. Before your know it, your rate is jacked up. At the request of subscribers, insurance regulators are checking into this practice.

How do I qualify for cheap auto insurance?

There are no special qualifications for cheap auto insurance as everyone is supposed to be rated with rating tables used by insurance companies. The question is: does each insurance company use the tables the same way, by measuring each factor evenly? The answer is a resounding no!

Cheap auto insurance is going to be readily available to those with the most appealing credit, driving history, zip code, and other contributing factors. The best the rest can do is come as close to an appealing level on the standard bar as possible. There are other ways however to improve your standing without having a 700 credit score, or a 90210 zip code.

How to Find Cheaper Auto Insurance

It is not always easy to find cheaper auto insurance if you are already paying high premiums. One way to find a cheaper policy is to get a referral from a friend or relative. The problem with that route is determining whether it will be cheaper for you. Further research may be necessary. Online sources are available to help narrow down options that does meet your specific needs.

One key to finding cheaper auto insurance is not to focus on the cheapest carrier, but a carrier that has a good insurance company rating by Standard and Poor’s or some other insurance company rater. Then research their plan options, inclusions, exclusions, and possible riders.

Once a cheaper policy is found, the process of transferring your coverage to another is simple; although, a 30 day written notice may necessary. Meanwhile you may want to establish the other policy to avoid a lapse in coverage. You should receive a refund on any unused part of the former policy within 30 to 60 days.

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How to Save on Cheap Auto Insurance

Seven suggestions on how to save on auto insurance include:

  • Take a defensive driving class
  • Pay the annual premium in full as opposed to monthly or quarterly
  • Combine home owners, auto, boat, and other policies that make sense, under an umbrella policy
  • Change the deductible
  • Ask for job related discounts
  • Report low mileage
  • Mention AAA membership or other membership for club, association or organization discount

These are some of the easiest ways to create cheap auto insurance if your circumstances call for some creativity. Certain categories of drivers will naturally pay more than the average driver. Teen drivers and drivers under 25 are in these high risk categories. Creativity may be necessary to make car insurance affordable.

What is covered in a cheap auto insurance policy?

Another way to create a cheap auto insurance policy is to eliminate unnecessary coverage. Cars that are not financed through a lender may not need full coverage. Simple liability may be enough. Collision and comprehensive may be mandatory if the car is financed. In this case opting for a higher deductible could be the solution.

Every state requires that each driver carry a minimum amount of coverage. That coverage will average:

  • Bodily Injury Liability between $20,000 and $45,000
  • Personal Injury Protection between $50,000 and $75,000
  • Collision in the range of $15,000 and $45,000
  • Comprehensive is based on the value of the car

These rates can be increased to accommodate the antique car, the race car or the luxury vehicle.

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