Cheap insurance quotes with the right protection. We bridge the gap between high quality coverage and budget friendly prices. Whether you are a driver seeking car insurance, a homeowner shopping for rates, a motorcycle enthusiast needing to protect their bike, renters needing insurance today, an SR22 certificate filed with auto insurance, or a business owner protecting their business with insurance, CheapInsurance.com provides a high quality quote comparison website for insurance.
As Featured in
The Evolution of Cheap Insurance
Car Insurance – Maximizing Every Dollar
Affordable SR22 Insurance: Your Path to Reinstatement
Motorcycle Insurance – Protection for the Open Road
Home & Renters Insurance – Asset Protection
Commercial Insurance – Scaling Your Business Safely
The term cheap often gets a bad reputation in the insurance industry, Cheapinsurance.com defines it differently. Cheap insurance means optimized insurance that ensures you aren’t paying for coverage limits you don’t need and getting discounts you deserve.
For over 50 years, our philosophy has been built on the fact that insurance is not a “one-size-fits-all” product. A college student in Florida has vastly different risk factors than a business owner in Oregon. By using advanced algorithmic matching, we look at data points ranging from your zip code’s claim frequency to your vehicle’s safety features to find the specific carrier that wants your specific type of risk. When an insurance carrier wants your business, you get a better price. We use advanced matching to find the insurers eager to cover you for less
Data Analysis: Annual Savings from Car Insurance Comparison Sites
Car insurance is the foundation of most household insurance portfolios. However, it is also the category where most people overpay. To secure cheap car insurance, you must understand the rating factors that insurers use.
Insurance companies use actuarial science to predict the likelihood of you filing a claim. Factors include:
Fausto Bucheli Jr, licensed insurance broker and owner of CheapInsurance.com recommends: “Collision and comprehensive coverage should protect your financial stability, not drain it. If your car is older and paid off, adjusting or removing these coverages can reduce your car insurance costs by hundreds of dollars per year without increasing your real financial risk.”
An SR22 is a sensitive topic, but it doesn’t have to be a financial disaster. Usually required after a DUI, speeding tickets, uninsured accident, or license suspension, the SR22 is a Certificate of Financial Responsibility.
CheapInsurance.com has spent decades specializing in the high-risk car insurance market. We know which insurance carriers offer SR-22 insurance along with the filing. More importantly, same day filing in many states. Our goal is to make the SR22 insurance process conveinient and affordable as possible.
Motorcycle riders face unique risks, and their insurance should reflect that. Motorcycle insurance policies covering your custom needs.
We compare quotes for cruisers, sport bikes, touring bikes, and even trikes.
Have you installed a security system? A new roof? Impact-resistant windows? These are not just home improvements, they are price reducers. We ensure your insurance carrier is provided with every safety feature you have. We are experienced with bundling insurance. Combining your auto and home insurance is the #1 way to drop your total insurance rate with this discount.
If you live in an apartment, renters insurance is the most affordable protection you can buy. For the price of a few cups of coffee a month, you protect your electronics, furniture, and clothes from fire, theft, or water damage. Perhaps more importantly, it provides liability protection. If someone trips in your home and sues you, your renters policy provides for your legal defense.
As a business owner, you face risks that need protection. CheapInsurance.com provides tailored and affordable commercial insurance solutions that protects your business.
Vehicles used for deliveries, sales calls, or transporting equipment, a personal auto policy will likely deny a claim if an accident occurs when your personalcar is used for work. Commercial auto insurance provides higher liability limits often $1M+ and covers your employees.
For small to medium sized businesses, we often recommend a Business Owners Policy (BOP). This is a package deal that combines general liability (lawsuit protection) with property insurance (protecting your office or inventory). By bundling the two coverages is less expensive rather than buying individual policies. We serve industries ranging from contractors, landscapers,retail shops, and professional consultants.
We've helped millions of Americans find affordable insurance. Our licensed agents have the experience to guide you to the right coverage.
We partner with America's top-rated insurance companies to bring you competitive quotes. Compare rates from the leading carriers in the country.
Serving all 50 states with local expertise. Find state-specific requirements, rates, and carriers no matter where you live.
Insurance quotes in as little as 3 minutes. Our streamlined process makes comparing rates fast, simple, and secure.
Insurance quotes with no pressure to buy. No hidden fees, no spam, no hassle. You're in control every step of the way.
Insurance deductible is the amount you pay out of pocket before insurance starts paying. Raising your deductible from $500 to $1,000 will now pay the increase of $500.00. In exchange, you will lower your insurance payments by 15% to 25%.
Paying for full coverage car insurance on older vehicles doesn’t make financial sense. If your car is worth $3,000 and your deductible is $1,000, the most you can ever get from a total loss is $2,000. If your annual premium for Comprehensive and Collision is $800, you overpaying. Having collision only coverage for this senerio makes sense.
The future in getting cheap insurance is behavioral. If you are a safe driver who doesn’t speed or slam on the brakes, you can opt into a telematics program. Safe drivers often see Participation Discounts up to 15% and Performance Discounts of up to 40%.
Founded in California in 1974 as an insurance agency, CheapInsurance.com has spent decades helping people find affordable coverage. Over time, we became one of the first brokerages to go online in 1998, making insurance shopping faster and easier.
Our mission has always been simple: insurance is a basic necessity, not a luxury. That’s why our technology quickly scans the marketplace in seconds, compares rates, and uncovers discounts that might otherwise be missed. In addition, we explain coverage in clear, simple terms.
As a result, people get real options and can avoid overpaying for features they do not need, while still maintaining strong, reliable protection.
Several global factors are driving higher insurance rates. The cost of repairing modern vehicles has increased due to advanced sensors and cameras, medical expenses and legal settlements have risen, and an increase in distracted driving accidents has forced insurers to raise rates to remain financially stable.
In most states, drivers are required to maintain an SR-22 for three years. If your policy lapses during that period, your insurance company must notify the DMV, which can result in an immediate license suspension.
Yes. Independent contractors, ride-share drivers, and freelancers need coverage that matches their business activities. Micro-policies are available and can provide affordable protection for startups and solo entrepreneurs.
Yes. Since 1974, Cheap Insurance has worked exclusively with carriers that maintain strong financial ratings from agencies such as A.M. Best and S&P. A policy is only truly affordable if it reliably pays claims when they matter most.
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