How to Find Cheap Auto Insurance

To find cheap auto insurance, consider using comparison sites, limiting your coverage, and lowering your risk factors. Use the free tool below to save time and to find cheap auto insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
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UPDATED: Jun 25, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...
  • Comparison sites will help you save time and money
  • The amount of coverage you request is directly related to the cost of your premium
  • Keeping a clean driving record will help you save money


Finding the lowest price on car insurance is something that all drivers aim to do. Paying too much for car insurance is just like throwing your hard-earned money away.

Fortunately, there are a few ways for drivers to save money on their car insurance premium. Saving money on your car insurance policy is easy if you know what you are looking for.

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Use Comparison Sites to Save Money

The great thing about using the Internet to shop for insurance is that you can compare many quotes at once. This ability to compare quotes in just a few minutes gives you a more accurate assessment of what you should be paying.

Your current insurance company is not going to tell you how much you could be saving by switching to another insurance company. It is on you to find out what types of savings that can be had should you switch to another insurance provider.

Another advantage to using a comparison site is that you will not be pushed toward any one insurance company.

You are afforded the opportunity to check out many different quotes without feeling forced to purchase one policy over another.

Knowing that you have multiple options will help you make an informed decision after thinking through all the variables. Saving money is only a good thing if you still receive a quality policy from a company that will provide good service.

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Limit the Amount of Coverage you Ask For

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Your insurance quote is going to be much cheaper when you don’t ask for a lot of coverage. Some states only require that you carry liability insurance on your car. Other states don’t require insurance coverage at all.

Living in a state that requires little coverage may make it easier to find a cheap policy.

However, you should be aware that a cheap policy does not afford you as much protection as you may need. Consider how much money you would have to pay out-of-pocket should you ever get into an accident.

The reason that a bare-bones policy is going to save you so much money is because the insurance company won’t be on the hook for as many potential claims.

It is easy to insure a customer if all they want is basic coverage to keep them on the road.

Take some time to customize a policy that gives you what you need at a price that you can afford. You may be surprised at the level of coverage you can get while still receiving a relatively cheap quote.

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Lower Your Risk Factors

Insurance companies are looking for any reason to charge you more for your policy. Counter this by lowering your risk level as much as possible.

Having a clean driving record is the most obvious way to keep your risk down. Accidents, tickets and other claims will undoubtedly cause your insurance premiums to increase.

Younger drivers are going to pay more for car insurance as opposed to older drivers. The type of car that you drive will also factor into your insurance premium. Cars that get stolen a lot may be charged a higher premium as well as cars that cost a lot to repair.

Driving an electric car may qualify for a lower policy because they are driven mostly be responsible drivers. They also are rarely stolen or damaged.

Look for as many discounts as you can get. Good drivers can qualify for discounts for not filing claims.

They may also be eligible for accident forgiveness programs which will leave rates unchanged after their first accident. Younger drivers may be able to lower rates by taking defensive driving courses. Good grades may also allow students to receive discounts.

Your car insurance rate should be something that you can afford.

Shopping around for the lowest rates can save you money while providing you with adequate coverage.

Taking your time to compare rates will give you the best chance for saving money on your next policy. Take steps to lower your risk factors if you want to get the cheapest rate out there.

Enter your ZIP code below to receive car insurance quotes from multiple companies for FREE!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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