Shopping for auto coverage is no fun. But if you’re looking for a very cheap car insurance quote you have come to the right place. We work with hundreds of insurers across the country and can connect you to the best discount carriers in your area instantly. To get started, just enter your zip code in the form above. Then click on the companies presented to you to instantly compare auto insurance quotes.
When considering which insurance company to work with, price should only be one factor. You want to make sure your insurer is reputable and will be there for you in the case of an accident or injury. To gauge your insurer’s financial strength, try checking rating sites like Standard & Poors or Fitch Ratings. These companies look at numerous factors when coming up with a rating.
Once you are comfortable that the company you are working with is reputable and stable, the next step in getting a very cheap car insurance quote is getting rates from multiple carriers. Each insurer has a different specialty and focus, so you will likely receive widely different quotes for the exact same policy. This is why comparison shopping for auto insurance is so crucial.
Also be aware that the car you drive has a big impact on your insurance quote. The Highway Loss Data Institute (HLDI) analyzes the rate of theft, collision, and injury claims for thousands of cars. Even seemingly minor things like the color of your car and how many doors it has can have a big impact on your quote. For example, a four door car is 93% less likely to be stolen than a similar two door car. Thieves apparently like two door cars.
Even cars that you would think would be very similar have very different theft rates. The Toyota Celica has a 67% higher theft rate than Toyota Camry. Higher theft rates mean you pay higher insurance premiums. So if you have not yet bought a car, think hard about which model will get you a very cheap insurance quote.
Beyond the car you drive, there are a myriad of factor that determine the rate you will pay. If you have had a safe driving record with no accidents or moving violations for at least three years you should be able to get a very cheap car insurance quote (assuming you don’t drive a zippy sports car like a Corvette, which will be costly to insure no matter how safe you may be).
To get a very cheap car insurance quote, ask your company which discounts they may have available. Certain professions like teachers or mail carriers often are entitled to lower rates because these are viewed as lower risk drivers. If you are a student, ask about high GPA discounts. If your grades are not currently stellar, work to get them higher and then seek the good student discount. If you are currently in the military, be sure to mention this when whopping for policies as many insurers will provide a discount for actively serving personnel.
Make sure your automobile is equipped with the latest safety and anti-theft features, as these will often save you money in your premium. Also, if you have two or more vehicles, insuring them both with the same company can get you much lower rates. Similarly, holding your homeowner’s policy with the same insurer who covers you car can reduce your rates as well.
Now that you know the basics of car coverage, it’s time to go out and save some money on your insurance. Just scroll to the top of the page, enter in your zip, and start to compare rates instantly. Happy shopping!