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Cheap Car Insurance Quotes

We have 50 years of experience providing drivers just like you with cheap car insurance. Providing cheap insurance, is what we do.

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You may be wondering why you should reach out to us to help you find cheap auto insurance quotes.

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Our customers know that they can return to us time and time again to compare auto insurance quotes. With us you get the cheapest auto insurance quotes from top rated U.S. automobile insurance companies.

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Don’t waste time browsing multiple car insurance websites when you can get all your vehicle insurance quotes right here. All we need is your zip code and a few details to get you all the cheap car insurance quotes you need, in one place.

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We understand that budget friendly insurance shouldn’t mean compromising on the level of protection you and your loved ones deserve. We’re proud to help you find the best of both worlds, cheap insurance that is also quality insurance coverage. Here’s why searching for cheap auto insurance with us is a smart and responsible decision.

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We know that insurance should be accessible to everyone, regardless of their budget. Our commitment to affordability means that you can find an inexpensive insurance quote you need without straining your wallet.

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We recognize that everyone’s insurance needs are unique. Whether it’s auto insurance, home insurance, health insurance, motorcycle insurance, you will find the cheapest insurance quotes.

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When we say cheap insurance, we mean cheap car insurance quotes, without skimping on coverage. This means insurance that is designed to provide protection, so you don’t have to worry about being underinsured. You will find affordable insurance quotes that match your needs.

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Getting cheap insurance shouldn’t be a hassle. We’ve streamlined the process to make it quick and straightforward. Our user-friendly website ensures that you find cheap car insurance quotes you need with ease.

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Your Frequently Asked Questions

Browse some of the common questions that customers have about car insurance.

How can I get car insurance rates?

Here are eight tips for finding car insurance quotes:

  1. Compare car insurance quotes: Different insurers target different customer groups. Use a price comparison site that allows you to compare auto insurance coverages to suit your specific requirements.
  2. Consider local insurers: Bigger isn’t necessarily better. Many state-wide insurers have customer review scores that are as high as big-name national providers. They may offer cheap insurance.
  3. Get a discount: There are many reasons that you may qualify for a discount, if you buy a home or turn 55, for example. There are discounts by getting a certificate in defensive driving.
  4. Improve your credit score: Insurers in most states will consider your credit score when calculating your premium. Improving your credit score could help you get the best auto insurance rates.
  5. Get basic coverage for old cars: If your car has a low value or is old, it may not make sense to get expensive coverage like collision coverage and comprehensive coverage. You can rather opt for minimum liability coverage which will be a cheaper insurance.
  6. Opt for higher deductibles: You can save money on your quote by choosing a higher deductible. However, this is not always a good idea, as you may have to pay a higher deductible should you have an accident.
  7. Get PPM car insurance: Pay-Per-Mile (PPM) car insurance coverage is when you allow your insurer to use a tracking device for miles driven on your car. Insurers give discounts to safer drivers that log fewer miles.
  8. Find a car that’s less to insure: Some vehicles are costly to insure. You can reduce car insurance rates by buying a car that is not as expensive.

How much is a collision deductible when it comes to auto insurance rates?

A collision insurance deductible is how much money you contribute towards the cost of repairing your vehicle in the event of an accident. 

You can choose how much your deductible is when you first buy car insurance, or renew your policy. A higher deductible will mean a cheaper auto insurance rate. 

The average driver looking for affordable car insurance in the U.S. tends to choose a collision deductible of around $500.

If you are a safe driver and would like to get the cheapest car insurance coverage, a higher deductible may suit you. This means that your car insurance premium will be lower. 

On the other hand, if you are concerned that you may be at risk of having an accident or you have little in the way of spare cash to pay out when the time comes to claim, a lower deductible will be the cheapest insurance option for you. 

Why is an auto insurance policy so expensive?

There are several reasons why your auto insurance policy could be so high. First, your age matters. Drivers under 25 are far more likely to be involved in an accident and will face higher car premiums. 

Secondly, the state where you live can have a big impact. 

States like California have very high car insurance premiums due to busy roads, severe weather or an increased risk of theft or vandalism. 

Finally, auto insurance rates are pushed up by the high number of uninsured drivers. 

If you are in an accident with an uninsured driver, you will be left paying for the damage. The risk of this happening is factored in when you buy car insurance, making it more expensive.

Does your credit score affect your automobile insurance rates?

Yes, having a high credit score will significantly reduce your automobile insurance rates in most states. 

The only exceptions are California, Hawaii, Massachusetts, Michigan and Washington. 

In these states, auto insurance companies may not use your credit score to prevent you from getting cheaper car insurance.

A good credit rating could get you affordable car insurance and reduce your premiums by up to 25%, while a poor credit rating could double it. 

Insurers do this because your credit score tends to be a reliable indicator of whether you are a good driver or not.

Why is car insurance so expensive under the age of 25? 

The reason for these high car insurance premiums is that young drivers are, on average, more likely to be involved in an accident. This means that they are at a higher risk for auto insurance companies to insure. 

As they get older, drivers tend to gain more experience and become less likely to be involved in an accident. This often means that their car insurance premiums decrease as well. 

Vehicle insurance rates for women under 25 are less than those for men. That’s because young men are significantly more likely to be involved in an accident.

How can I find cheap auto insurance for my teen?

If you want to find the best quality, cheapest insurance for your teen, then you need to shop and compare cheap auto insurance quotes online. Using an online comparison website will be useful.

Some states have busier roads, so auto insurance is more expensive, while some states have inexpensive auto insurance rates. Either way, you are likely to spend more on a 16-year-old driver because of their age.

Is it better to pay your car insurance rates monthly or every six months?

A 12-month car insurance policy is the best option if you have a clean driving record. That’s because it will lock you into a good price for a whole year. You’ll also get the cheapest car insurance by paying for the entire policy upfront, rather than in monthly installments.

If you have points on your license or a violation, it may be worth getting a six-month car insurance policy. Once the points or violations have expired, you can switch to a cheap insurance policy. 

Should you pay your auto insurance in full?

Yes, if you can afford to buy your auto insurance upfront in full, then it will be cheaper than paying for it in monthly installments. This is an excellent way to pay less for auto insurance.

It’s essential to consider your budget and decide which option works best for you. If paying your insurance in full will cause you financial difficulties, then paying monthly may be a better option for you.

Does your auto insurance go down after car finance is paid off?

Finance and leasing companies often require you to have comprehensive and collision coverage. 

This is to protect their assets and ensure that they can get the rest of the money owed to them in the event of an accident.

Paying off the car loan doesn’t necessarily qualify you to get cheap auto insurance. But you may be able to get the cheapest car insurance coverage that is available. 

To do this, you should ring your car insurance representative and ask that the lienholder be removed from your file.

Do you get the cheapest auto insurance on a new car or a used car?

It is not necessarily cheaper to insure a used car. Each car insurance company will offer different rates for new and used vehicles. 

The best way to find the cheapest auto insurance rate for a used car is shop and compare insurance rates to get the best quality, affordable car insurance quote available. 

However, it’s often cheaper to insure an older car. That’s because new vehicles use more advanced technology and are more expensive to repair. 

When should I remove full coverage car insurance?

You could consider dropping full coverage to get better auto insurance rates if:

  1. Your car is old: If the annual premium is 10% of the car’s value or more, then you may wish to switch to minimum liability coverage. This is usually the case with older cars that you are likely to replace after an accident.

     

  2. You don’t drive much: Drivers that drive fewer miles are less likely to have an accident. If this applies to you, then you may wish to take the risk of dropping full coverage.

     

  3. You have savings available: If you have enough spare money available that you don’t mind spending on significant repairs, you may wish to consider dropping full coverage.

Can you get cheap insurance rates if you bundle insurance policies?

Yes, you can get cheap insurance rates if you bundle policies. You can bundle your home insurance with your car insurance or renters insurance with your car will get cheap insurance rates.

Companies also bundle renters insurance with auto insurance. This usually offers a discount between a five and 25% discount per insurance policy. 

What is SR22 insurance?

Also known as an SR22 or FR44.

An SR22 certificate verifies that you can meet your financial obligations if you are involved in an accident. SR22 insurance can be costly, so finding the cheapest car insurance company for these policies is critical.

I have car insurance and a suspended license. How can I save money?

To get low cost car insurance once your license has been reactivated, you will need to have an unbroken history of auto insurance coverage.

This means that you should maintain your car insurance even if you have a suspended license. 

You may also qualify for a hardship license, in which case auto insurance is still a legal requirement for you to drive.

You will be seen as a more risky driver if your license has been suspended.

Information On Car Insurance Rates From Our Latest Articles