Finding Affordable Car Insurance

Find affordable car insurance by (1) knowing your coverage needs, (2) comparing multiple quotes online, and (3) identifying hidden discounts you qualify for.

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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
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

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...

  • Car insurance is required in almost all states, so you must start your search for affordable car insurance by finding out where your state minimums are set
  • You should always look for ways to reduce your premiums
  • Once you have chosen a company, continue to check your rates to make sure your premiums haven’t risen for no reason

Purchasing affordable car insurance protection and searching for the most reasonably priced policies are essential steps whether you purchase a brand new vehicle or a used one. If you are going to drive in the USA you will need some form of auto insurance coverage.

Use your zip code and the free car insurance quotes tool to compare offers now!

Operating a vehicle without the appropriate auto insurance protection is an enormous risk for property, passengers, and drivers. Start by understanding your legal requirements, and learn some tips for obtaining the best car insurance policy in the remainder of this article.

Information for Affordable Car Insurance in the 50 States

To operate a vehicle lawfully in most states, you must supply on demand proof that you carry the state minimums for auto insurance. This is usually in the form of a car insurance card that you keep in your glove compartment.

Choosing affordable car insurance coverage at a reasonable price is often as essential as finding the best dentist, doctor or school.

The vehicle insurance policy you choose should provide protection over and above just the minimum. The state minimums are well below what is needed in a serious accident. Obtaining the best insurance coverage at the cheapest car insurance rates is the goal.

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Rate Setting Policies Impact Affordable Car Insurance Premiums

Learn how insurance companies determine rates based on the kind of vehicle you own and related factors. For instance, car insurance companies use credit scores to determine driver rates.

Once you understand how they use it and why, you can help to control the premium you are offered.

Find out about tips on how to be eligible for discount reductions for:

  • Students
  • Good drivers
  • Traveling less
  • Keeping your car in a garage
  • Adding safety features

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Here are some other things to keep in mind:

  1. You may find regulations that control vehicle insurance where you live, for instance, some states happen to be “no-fault” states.
  2. It doesn’t matter if you’re covering a teen driver or are a senior citizen, taking defensive driving classes will help continue to keep your insurance rates down as well as clear up your driving record.
  3. Obtaining the right classic car insurance for collectors of classic cars will, without a doubt, save you hundreds of dollars over the years.
  4. You should also learn about car insurance fraud that will help protect you from con artists who take advantage of shoppers looking for cheap car insurance.

The country, during this recession, has seen increases in insurance fraud.To protect against this, the car insurance companies raise the rates of innocent policy holders to make up for the high cost of fraud.

Be aware of this, and avoid any acts of desperation that will come back to haunt you.

Compare Quotes to Find Affordable Car Insurance

Affordable car insurance can be found if you just take your time and do a complete check of your specific needs and who offers the best price with the best coverage.

You might have a second or third car that is older and you hardly ever drive that you may be able to get by covering with minimal liability. Or you could have a special kind of older truck on your property that is only used at special times of the season that will not require full coverage.

Manage your deductible to get the best premium that you can afford.

You can find the best insurance coverage for you by:

  • obtaining quotes
  • comparing rates
  • talking to the insurance agents for the best quote
  • making it perfectly clear to them that when you decide to go with their insurance company to stay competitive they must keep their rates low and affordable

If they raise their rates for any particular reason that is not clear and defined, you can cancel your insurance and look for another.

You have options. Start with the free rate quote that will send you several car insurance quotes from providers that offer coverage in your area. Your zip code pinpoints this essential piece of information. Then, look at the quotes side by side.

Compare rates, premiums, deductibles and coverage benefits. Then call a couple providers and ask about additional discounts. This will net you the most affordable car insurance policy that will meet the needs of your wallet and sanity.

Enter your zip code and compare car insurance rates now!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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