While cheap car insurance is a desirable goal, it’s important to keep in mind that cheaper isn’t always better. A low price may be the result of lower coverage or higher deductibles, both of which can leave you vulnerable to expensive repair bills and lawsuits. To help you find a balance, we’ve compiled tips for finding affordable car insurance with unparalleled protection.
How to Get Cheap Auto Insurance
The cheapest car insurance companies are State Farm and Geico for drivers with good credit. USAA also has some of the cheapest rates, but it’s only available to military members, veterans and their families.
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To qualify for the cheapest rates, you must have a clean driving record and excellent credit. Drivers with poor or fair credit often pay more for car insurance, but you can offset high rates by taking steps to improve your score and by bundling policies and discounts.
Some car insurance companies provide discounted rates based on your occupation. This discount is a way for insurers to reward safe and responsible drivers. You can often find this discount by contacting your agent or by searching for “car insurance discounts near me.”
In addition to providing cheap car insurance rates, these top-rated insurance providers offer outstanding customer service and unmatched protection. Compare quotes from these companies and others to find the best deals on quality coverage for your vehicle.
There are several factors that influence your car insurance rate, including age, gender, marital status and location. In addition, your driving history and the type of vehicle you drive can impact your auto insurance rates.
Many companies base their rates on how risky it is to insure a particular driver or vehicle. For example, the cost of insuring a luxury vehicle is typically higher than an economy sedan because it’s more likely to be stolen or damaged.
The best way to get cheap car insurance is to take the time to shop around and compare quotes from multiple companies. Once you know your coverage needs and what you want in a policy, you can compare prices for exact coverages, limits and deductibles to find the best deal. You can also save money by reducing your coverage levels to the bare minimum, which is legal in most states. For example, if you choose to purchase only liability coverage, your premiums will be significantly lower than for a full-coverage policy with comprehensive and collision coverage. Just be sure to review your policy annually to ensure you still need all of the coverages you’re paying for. Then, you can upgrade your policy when it’s the right time to do so. You can also earn a discount by insuring more than one vehicle with the same company and adding family members to your policy. Those who remain violation- and accident-free can earn a safe driver discount, which could further reduce your rates. Be sure to ask your insurer about any special offers or incentives they are currently running.