September 29, 2021
How to find cheap auto insurance

Where is the cheapest place to get car insurance

Car insurance is a necessity for every driver. It can be confusing to find cheap car insurance because there are so many factors that go into determining the cheapest place to get auto insurance.

  1. Is your car financed?
  2. What's the year, make, and model?
  3. How many miles do you drive annually?
  4. Do you have any accidents or violations on your record in the past five years?

By answering these questions, we will help guide you to find which company will provide you with the best rates.

The cheapest car insurance company will vary depending on the factors mentioned above, but one of the key driving factors in finding cheap car insurance rates is credit.

Credit and Car Insurance Rates

If you have poor credit, it will make it much more difficult to find cheap car insurance.

If you have excellent credit, it will be much easier to find cheap car insurance rates from a wide variety of providers in your area.

The cheapest place to get auto insurance is different for everyone so make sure that you're asking yourself these five important questions before committing with any one provider!

  1. Do I need liability only or full coverage?
  2. How much can I afford to pay each month?
  3. What is the best cheap car insurance company there is in my area?
  4. Do they have a good customer service rating and reviews from other customers like me?
  5. Does this carrier offer any discounts that would help me keep my auto coverage affordable for less money per month, such as multi-policy discounts?

How to get cheaper car insurance

One of the easiest ways to get cheap car insurance is by comparing rates online from different providers.

A car insurance broker is someone who helps you find cheap auto insurance by connecting you with different companies in your area.

You're not obligated to go through the company they recommend, but many people like using brokers because it's an extra step that speeds up the process of finding cheap rates.

Is it cheaper to get car insurance online?

Shop around on websites:

Comparing quotes online can help save time and money when searching for cheap car insurance. Just make sure to look at all the features offered before making a final decision so you know what type of coverage will be best for your needs and budget.

Search engines:

Many major search engines have price comparison tools within their results pages that allow users to compare prices from multiple providers.

Is buying cheap car insurance the best way to go?

Cheap auto insurance online

You want to get the cheapest car insurance possible, but you also want to make sure that your insurer will cover any of your needs.

The cheapest car insurance companies might seem like a great deal at first, but they usually have low limits and high deductibles. This means that if you're in an accident and need to file a claim, it could end up costing you more than what you save on your monthly premium.

Get insured with the right company for what matters most to you - whether it's coverage for damage or liability protection from bodily injury claims. With so many insurers out there offering cheap rates, this is one decision where going with price alone could cost more than choosing quality over price when it comes to getting cheap auto insurance quotes online.

What coverages am I buying?

Make sure you understand what coverage you are buying before you compare cheap rates. For example, if a company offers cheap auto insurance but is void of coverage of any type in an accident, it won't do you much good - even if the monthly price sounds great!

We recently had a customer that had a higher comprehensive deductible than the collision. The higher deductible for that coverage would not change the cost of insurance much. Having an insurance professional review your coverage selection is recommended before you buy cheap car insurance.

What are the risks of buying cheap car insurance?

The cheapest car insurance usually comes at a high price if you're in an accident.  Sometimes agents may reduce coverages to make cheap rates work.

We recommend you stay away from cheap car insurance for your vehicle and the safety of yourself and others on the road. If a company is willing to sell cheap auto insurance, they are likely selling products that don't protect you in case of an accident or violation- even if this may not be clear upfront.

What to look for

When comparing cheap premiums for your auto policy check out the following: 

  1. What does their coverage include?  
  2. What happens after accidents?
  3. How quickly will my claim be processed?
  4. Are there any hidden fees I should know about before signing up with them?

What can we do to help find cheap car insurance prices for our families and friends while maintaining good coverage options just in case anything goes wrong? We simply suggest working with a trusted insurance advisor or agent who can evaluate your specific car insurance needs and provide you with a quote tailored for the coverage that is best suited for you.

Cheap auto insurance may not always be good auto insurance- especially if it's cheap to cover up!

Trusted Insurance Advisor

It's important to know what type of coverage you're getting in order to make sure you are paying the right amount and will have protection after an accident or violation occurs on the road. To help find cheap rates without sacrificing quality, we recommend working with a trusted advisor or agent from our list of reputable providers below.

How to get cheap car insurance for new drivers

A few ways to save on car insurance costs are by bundling multiple policies (home and auto), prioritizing discounts for safe driving behavior, shopping with an independent agency, and getting tips from a certified financial advisor.

Compare car insurance premium with other insurance companies

A good place to start is Insurance Brokers Group which can help you compare quotes using your ZIP code for many carriers across several states.

Can you get cheaper car insurance over the phone?

Yes, speaking with a licensed insurance provider can be a good option, but you'll need to call a few before you settle on one.

For example, if you are looking for cheap car insurance over the phone or online in California, Allstate might be a good option and they offer many discounts to help lower your rates. But, it really depends on many factors when comparing rates and the state you live in.

How can you make your insurance premiums cost less?

What we recommend

We also recommend checking online for affordable auto insurance. Auto insurance rates will vary depending on which online service you check with. Some services and companies will offer cheap auto insurance rates, while others might not have the same cheap car insurance offers.

To find cheap car insurance online or over the phone, we recommend talking to a licensed provider first about your options. They'll be able to answer any questions you may have before you make an informed decision on where to go.

How to get cheaper car insurance for a first-time driver

Young drivers are especially hard to find cheap car insurance. To find cheap rates, first-time drivers should consider bundling their home and auto insurance policies with the same company.

Parents insurance policy

It is also important to get a copy of your credit report from one or more of the three major reporting agencies before applying for coverage so you can make sure no errors have been made that could affect your premium.

Parents are trying to save money with new drivers, and it's difficult to find the best deal. You can save up to 40% by bundling your home and auto insurance policies with the same company.

Where to get cheaper car insurance

Finding an insurance policy with cheaper auto insurance is like trying to find a needle in a haystack. There are a lot of factors that go into determining the cheapest place to get cheap car insurance, but by answering these questions, we can help guide you to find which company will provide you with the best rates:

-Is your car financed? What is the make and model?

-How many miles do you drive annually? Do you have any accidents or violations on your record in the past five years?

By getting answers to these questions and others like them, auto insurance companies can price their policies better for drivers who fit these criteria. The more accurate information they have about how much risk an individual driver poses on their end, the cheaper a policy will be. That being said, there's no set rule as to what each person will pay.

How to get cheap car insurance after an accident

If you have an at fault accident on your driving history, it will make it will be more challenging to find cheap car insurance, but not impossible. You may qualify for cheap car insurance after an accident by relying on:

- A clean driving record in the past five years

- Good credit rating

For example, if your vehicle is financed, then it might be easier to get affordable coverage from one company than another because they could consider this as less risky than someone who doesn't have any sort of financing arrangement with their lender or bank. The make and model are also important considerations when looking for cheap car insurance.

How to get cheaper car insurance with a speeding ticket

We advise our customers to have an attorney work on reducing a speeding ticket to non-moving violation to get cheap car insurance.

Should you get a lawyer?

A speeding ticket can lead to higher premiums for auto insurance because the conviction will be on your record in many cases - as well as what's called "points" that could add up and increase your rates over time. Our customers tell us they've found it easier to work with an attorney who is familiar with reducing these types of tickets which leads to lower insurance costs and fewer points on their license."

To find cheap or affordable car insurance, you need more than just a good credit rating or financing arrangements; make and model are also important considerations when looking for cheap car insurers. These factors go into determining the cheapest place to get affordable coverage: whether you have any accidents or violations.

What are the cheapest auto insurance companies?

There are over 300 different rating factors with any insurance to get the cheapest rates. Each company has its own "scores" for each of these factors, and some companies have better scores than others.

The best price on car insurance rates with finding affordable car insurance is when you have an excellent driving record and low annual mileage.

If I lower my auto insurance coverage, will it make the premium cheaper?

Be careful when lowering any bodily injury liability coverage just to save a couple of bucks. You are responsible for any payments awarded by the courts if they find you liable for claims over your policy limits.

What are the risks

When you get into a car accident and there is evidence that your driving was responsible, the court will usually rule in favor of those who brought the case against you.

One way to lower bodily injury liability coverage just to save some money would put yourself at risk for litigation costs exceeding what your insurance company covers.

What are the best car insurance discounts?

The best way to look for car insurance discounts is online. There are countless websites that offer information about the discounts on various offers. To save more money, make sure you do your research before picking a discount!

Ask about discounts available

Finding out how each site works and what they provide can be helpful when it comes down to choosing which company will give you the best deal while also being trustworthy and reliable. Generally, a provider will offer a certain percentage off based on things like marital status or number of vehicles insured with them and if someone takes driver's ed courses, etc... Each website provides different discounts available depending on the insurance company they represent.

Does my credit score affect my car insurance rates?

Yes, your credit score will impact your car insurance rate because there are two factors that affect the price of a driver's insurance rate. 

The first factor is the driver's previous driving record and his or her age, while the second is the car's type and its model year. The truth is that your credit can greatly affect those factors which define how much you pay for car insurance rates each month.

Credit and insurance rates

Poor credit history and easily double the cost of a driver's insurance rates.

Keeping your credit in good shape may not only save you money but could also lessen the likelihood of being involved in an accident, which can cause a sudden spike in one's premiums.

There is a direct correlation between credit and safe driving. We have found drivers with excellent credit history to be more attentive and less likely to be involved in an accident.

How does my driving record affect affordable rates for car insurance?

It is difficult for insurance providers to offer affordable rates if one has a poor driving record. Anything from too many tickets to driver's license suspension can cause an increase in rates because it means that the person could pose a significant risk on the road. This, of course, isn't something insurers want in this industry so they compensate by charging higher rates.

I recommend contacting a few different companies or search engines online and find out what each company offers and how much their premiums are before you make your final decision about which insurance provider is best for you.

Is it better to buy an older car if my credit history and driving record are not good?

If the credit score is great but the driving history has a lot of accidents, then it's actually in your best interest to buy an older car because rates are based on the age of the vehicle.

This means that newer cars will be more expensive and you will not get a very competitive rate. Insurance companies also consider if there were any DUIs in the past, which will increase these costs as well. Unless you have good credit or low accident risk, buying an old cheap car with cheaper insurance would probably appeal to most drivers.

What you can do to lower your rates

Because of life events, it can sometimes be difficult to clean up credit, but over time, prior car accidents will come off your record. Do whatever you can to clean up your credit and you will start to see your rates go down.

Some states like California do not allow insurance companies to use credit scores, which can be a good thing if you have bad credit.

Prior claims or accidents are also important to take into consideration when looking for cheap car insurance rates because these will increase your premiums substantially. If it has been five years since the last accident, most companies will offer discounted rates on insurance.

Is State minimum coverage the best option for cheap car insurance?

State minimum coverage is not a recommendation given to our potential customers.

 The thought process behind this is that it leaves the customer vulnerable to serious financial risk since there are two things that could happen with state minimum car insurance coverage. You could get into an accident and be liable for more than what your policy covers. 


If you're feeling overwhelmed by insurance rates, don't give up hope. There are plenty of ways to negotiate lower car insurance rates and save money without compromising coverage or quality of service. 

Whether you have an existing policy with a carrier already or want to start fresh, we've got you covered! 

We offer various discounts for drivers who qualify as well as the opportunity to re-run your credit score in order to get the best potential deal on auto insurance.  

Make sure not to miss out on these opportunities when trying to find more affordable car insurance - talk about it with one of our representatives today! 

Ask them about all available discounts and how they can help increase your savings even more. 

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John Espenschied is a long-time veteran of the insurance industry. He's worked with thousands of clients over the years, helping to protect their personal and business needs. John's goal is to provide the best advice possible to assist customers in saving money while protecting their property and securing their financial future.
He truly enjoys helping others and takes great satisfaction in providing top-notch customer service. When he's not working, John has fun spending time with his family, golfing, bike riding, and blogging on insurance topics.