How to get Help Paying for Car Insurance

Figuring out how to get help paying for car insurance can be hard, but there are many ways to find lower rates. You can get discounts for being a good student, good driver, or for multi-vehicle coverage.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

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

UPDATED: Jun 26, 2020

Advertiser Disclosure

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...

  • Insurance companies don’t offer payment assistance, but there are ways to find lower rates
  • There are many discounts you should search for to see if they apply to you or could apply to you
  • Raising your deductible is a good way to lower your monthly premium

What can you do if you can’t afford car insurance?  Can you get help with car insurance? If you need help paying for car insurance, you should take comfort in the fact that there are multiple ways to reduce your car insurance bill to make it more affordable.

Insurance companies are limited in the payment assistance they offer beyond the usual payment plans that allow you to pay your premium monthly.

Learn about how you can make your car insurance payments more affordable so that you will have no more problems paying for it. To find cheap car insurance be sure to enter your zip code in above for a free car insurance quote comparison!

Car Insurance Discounts

 

Practically every car insurance provider offers car insurance discounts or preferred rates for a variety of reasons.

If you already have a policy in place, make sure you immediately contact your insurer and ask if you have the maximum number of discounts you can possibly have.

If not, find out the types of discounts they offer and make sure you become eligible for as many as possible. Quite often, a simple act like joining your local PTA for $5 yearly will save you 5 to 10% on your annual insurance premium.

If you are in the market for car insurance, it pays to be aware that each insurer offers different discounts.

This often accounts for the difference in price that you will find from one insurer to another. Therefore, you will need to get a variety of quotes from different insurers in order to see the true difference made by those various discounts.

Some of the discounts you can expect to find, include the following:

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Insurance Policy Changes

In order to keep your car insurance costs low enough to be affordable in your budget, you will probably need to make some changes to your policy.

This is an easy way to get significant breaks on your car insurance premiums. However, you must be ready to face the consequences of such decisions if you need to make a claim. You will have more out of pocket expenses.

  • Be prepared to remove unnecessary coverage from your policy. You may have a full coverage policy and be paying for things such as towing and labor coverage, rental reimbursement and more. By cutting such extras you will get a small reduction in your annual premium.
  • If you have an older vehicle that is no longer financed and has a lower value, remove collision and comprehensive coverage. There comes a certain point in the life of a car when it makes more sense to not pay the extra for these types of coverage because what you will get after the deductible is paid is not significant enough to bother with.
  • If your car still has a decent value or it is financed and the lender requires full coverage, you can still save on the cost of your car insurance policy by raising your deductibles. Higher deductibles will result in lower premiums. Just be sure you can afford the deductible if you were to have an accident.
  • Another policy change that you can make, but it is not advised, is to carry only the minimum amount of coverage as required by the state in which you live.

Most full coverage policies are written with liability coverage in the amounts of $100,000 bodily injury coverage per person, $300,000 bodily injury coverage in total per accident and $100,000 property damage coverage.

Mandatory coverage limits are much lower and therefore much less expensive. This is the last resort to save on your policy in order to avoid further fines and problems by not carrying insurance at all.

However, remember that such minimums often prove to be insufficient in the case of serious accidents.

Shop Around

For anyone struggling to pay for car insurance the number one solution is to shop around for the best price possible on the coverage you want to carry.

If the prices you find still do not fit in your budget, shop around again for the best price possible on the minimum coverage you can get away with after increasing deductibles, removing unnecessary coverage and when all else fails, reducing your coverage to state limits.

To make shopping around quick and easy, opt to use a free online quote tool, which does the work for you. Get started now with our online quote tool to help you find car insurance you don’t have to struggle to pay for.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption