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Your Frequently Asked Questions

Browse some of the common questions that customers have about car insurance right here. If we haven’t answered your question, reach out to us below:

Here are eight tips for finding cheaper car insurance coverage:

  1. Compare car insurance quotes: Different insurers target different customer groups. This means that what is cheaper for one person, may not be more affordable for you. Use a price comparison site like ours that allows you to compare cheap 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 lower rates.
  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. You can ask for cheaper auto insurance and car insurance discounts at any time, so make sure you call your insurer and ask.
  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 cover like collision coverage and comprehensive coverage. You can rather opt for minimum liability coverage from your car insurance company, which will be cheaper for you.
  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 track your driving. Insurers tend to give discounts to safer drivers that log fewer miles.
  8. Find a car that’s cheap to insure: Some vehicles are costly to insure. You can reduce the premium on your car insurance policy by buying a car that is cheaper to insure. 

On average, full coverage insurance policies cost $166 per month. Research shows that the average cost of auto insurance is $716 per year or $60 per month. 

These figures may vary by state and depend on the driver, as well as the car being insured. 

Usually, a full coverage auto insurance quote, even from the cheapest car insurance companies, will cost around two to four times as much as minimum coverage, depending on where you live.

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 car insurance premium. 

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

This means that the driver will only need to pay $500 when the time comes to claim.

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 best option for you. 

This means that your car insurance premium will be higher, but that you will be able to afford the deductible when the time comes to claim.

There are several reasons why your auto insurance 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, car insurance premiums 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.

Yes, having a high credit score will significantly reduce your auto 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 cheap 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. Getting a car insurance quote will not affect your credit rating.

If you can’t afford auto insurance, there are a few things you can do to bring the price down:

  1. Get minimal cover quotes from the cheapest car insurance companies: Begin by using a company like ours to find the cheapest, but best quality car insurance. Ask for the most affordable minimum liability car insurance policy available to you.
  2. Find low car insurance quotes and discounts: If the minimum liability coverage is still unaffordable, you should contact the cheapest car insurance company and try to agree on a discount.
  3. Get PPM: Pay-Per-Mile insurance is when your car is fitted with a tracker and you only pay auto insurance on the miles that you drive. This means that you’ll have to limit how much you drive, otherwise you could end up paying more than you would have with a regular car insurance policy.
  4. Keep a clean driving record: Avoiding traffic violations and points on your license will help reduce your insurance premiums.
  5. Improve your credit score: Paying off debt on time will help improve your credit score. A good credit rating will reduce your car insurance premiums by up to 25% in most states.

Car insurance prices decrease as you age, ranging from an average of $7,179 at age 18 and dropping to $3,207 at age 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. 

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

The best thing to do is compare prices to find affordable car insurance. 

Some insurers are more likely to provide cheaper car insurance premiums than others once you turn 25. They will also consider other factors like driving experience, accident history, your credit rating and your zip code.

If you want to find the best quality, cheapest car insurance for your teen, then you need to consider several factors, including:

  • The teenage driver’s age.
  • The state where you live.

Some states have busier roads, so car insurance is more expensive, while others simply have higher car insurance premiums. Either way, you are likely to spend more on a 16-year-old driver because of their age.

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 instalments.

However, 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 cheaper policy. 

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 get cheap auto insurance.

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

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.

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 a cheap car insurance policy for a used car is to use a service like ours 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. 

If you buy a brand new car on finance, you may also be required to take out costly comprehensive and collision 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.

How much auto insurance costs depends on many factors, not least on your driving record. 

However, on average, car insurance rates are expensive for drivers under 25, but rapidly become more affordable after that. 

Once you reach 30, they stabilize and, on average, cost between $500 and $600 per year. 

The age with the best car insurance rates is 55. After this, auto insurance coverage rates begin to gradually increase again.

Yes, you can get affordable car insurance rates if you bundle policies. If your family or household has more than one car, you should ask your insurer about cheap car insurance.

Your other option is to use a policy search tool like ours to find the best-bundled deals and cheapest car insurance.

Companies that bundle auto insurance usually offer between a five and 25% discount per policy. 

This doesn’t just apply to auto insurance. For example, bundled home insurance deals and other coverages can offer huge savings due to the high cost of these premiums.

Also known as an SR-22 or FR-44 certificate, you need SR-22 insurance if you are responsible for bodily injury liability or in a similar at-fault accident. 

An SR-22 certificate verifies that you can meet your financial obligations if you are involved in an accident. SR-22 insurance can be costly, so finding the cheapest car insurance company for these policies is critical. 

We believe that every driver should be able to find the cheapest car insurance rates, regardless of their driving history. Visit our SR-22 insurance page to find out more.

You will need to have a minimum amount of insurance in order to legally drive in the U.S. This is known as minimum liability insurance or minimum liability coverage. 

Usually, minimum liability coverage is expressed as a number sequence such as 25/50/10. Each state has its own coverage amounts. 

This translates to the minimum required coverage for that state in dollars. 

For example, 25/50/10 would mean limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. 

To get cheap car insurance rates on minimum liability car insurance, there are a few things you can do:

 

Bundle your insurance products: Get auto and renters insurance, or homeowners and car insurance from one insurance company. This way you will be able to get cheaper auto insurance.

Maintain a clean credit record: Drivers with a good credit rating are seen by insurance companies to be less risky to insure. You can get cheap car insurance rates simply by managing your finances well.

Be a good driver: You can save money on car insurance if you are able to avoid getting tickets for violations like speeding. Insurance companies favor good drivers with car insurance discounts.

Increase your deductible: A deductible is the amount of money that you will need to pay before the insurance company will pay out in an accident. By keeping this deductible high – you will save money and get cheap car insurance premiums. Be aware that you will need to be able to afford this deductible if you are involved in an accident.

To get cheap 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, but you can still get cheap car insurance if you maintain coverage during the suspension.

You will be able to ensure the cheapest auto insurance quotes by doing an annual review and update of your insurance policy. 

This means that you will need to review the policy wording on your existing insurance policy and make a note of your coverage limits and your deductible. 

Once you have this information at your fingertips, you will be in a good position to start comparing cheap car insurance quotes from different insurance companies.

All companies differ when it comes to providing cheap car insurance. It is important to compare everything that they are covering you for and ensure that you are getting the best possible coverage and the cheapest rate.

There are many insurance companies who will be able to offer you cheap car insurance, but each one will differ in price. 

Each insurance company has their own way of calculating your insurance quotes, so it is difficult to say which company stands out as being the cheapest. 

Generally, they will factor in whether you have both home and auto insurance, as well as:

  • Your age.
  • Your profession.
  • The car you drive.
  • Where you live.
  • Where you work.
  • Your driving history.
  • Your credit history.

Based on this information, an insurance company will work out an insurance premium for you.

It is always good to compare insurance quotes using a quotes engine like ours. 

This helps you compare actual insurance rates in one easy step, before you contact the insurance company directly to clarify the quote that they have provided you with. 

Always remember to compare apples with apples when it comes to your auto insurance. 

In other words, compare what one company is offering you versus another by reviewing your deductible and coverage limits, as well as your benefits, such as car hire.

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