Affordable Insurance Quotes
CAR INSURANCE
SR22 INSURANCE
HOMEOWNERS INSURANCE
RENTERS INSURANCE
MOTORCYCLE INSURANCE
COMMERCIAL INSURANCE
MOTORCYCLE INSURANCE
Finding the right protection shouldn’t break the bank. We specialize in bridging the gap between high-quality coverage and budget-friendly premiums. Whether you are a driver seeking an SR22, a new homeowner, a motorcycle enthusiast, or a business owner protecting your livelihood, CheapInsurance.com provides a transparent, data-driven path to savings.
Founded in 1974 and headquartered in California, CheapInsurance.com was one of the first brokerages to embrace the digital frontier. Our legacy is built on the belief that insurance is a fundamental right, not a luxury for the wealthy. Our technology is designed to scan the marketplace with an unbiased lens, presenting you with the best combination of price and protection.
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The term cheap often gets a bad reputation in the insurance industry – CheapInsurance.com defines it differently. Cheap Insurance means Optimized Insurance. It’s about ensuring you aren’t paying for coverages with limits you don’t need or discounts you aren’t receiving.
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 company wants your risk profile, they price it lower. We find those matches for you.
Auto insurance is the foundation of most household insurance portfolios. However, it is also the category where most people overpay. To secure the cheapest 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:
An SR22 is a sensitive topic, but it doesn’t have to be a financial disaster. Usually required after a DUI, uninsured accident, or license suspension, the SR22 is a Certificate of Financial Responsibility.
We have spent decades specializing in the high-risk market. We know which carriers are SR22-friendly and won’t charge you double just for a filing. More importantly, we offer Same-Day Filing in many states. We understand that your ability to drive is tied to your ability to work and provide for your family. Our goal is to make the SR22 process as invisible and inexpensive as possible, helping you transition back to “standard” insurance tiers as quickly as the law allows.
Motorcycle riders face unique risks, and their insurance should reflect that. A “cheap” motorcycle insurance policy that doesn’t cover your custom gear or provide roadside assistance isn’t actually a good deal.
We compare policies for cruisers, sportbikes, touring bikes, and even trikes. When we look for your quote, we prioritize:
Your home is likely your largest investment. However, with rising construction costs, many homeowners find themselves underinsured while simultaneously paying too much.
To get the best homeowners insurance rates, we recommend a home audit.
 Have you installed a security system? A new roof? Impact-resistant windows? These are not just home improvements; they are premium reducers. We ensure your carrier knows about every safety feature you have. Furthermore, we are experts in Bundling. Linking your home and auto insurance is the #1 way to drop your total insurance bill by 20% or more instantly.
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 a personal policy won’t touch. CheapInsurance.com provides tailored commercial insurance solutions that protect your bottom line.
If you use your vehicle for deliveries, sales calls, or transporting equipment, a personal auto policy will likely deny a claim if an accident occurs during work hours. Commercial auto insurance provides higher liability limits (often $1M+) and covers your employees. We help small businesses find Combined Single Limit (CSL) policies that offer flexible protection for both property damage and bodily injury.
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 these, businesses can save significantly over buying individual policies. We serve industries ranging from contractors and landscapers to retail shops and professional consultants.
The deductible is the amount you pay out of pocket before insurance kicks in. By raising your deductible from $500 to $1,000, you are telling the insurance company you are willing to take on more risk. In exchange, they will often lower your premium by 15% to 25%.
Many people pay for Full Coverage on older vehicles where it 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 are likely overpaying.
The future of 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 of 10% and Performance Discounts of up to 40%.
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.
