Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 29, 2019

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Yes, there is such a thing as cheap auto insurance coverage. The thing to keep in mind is that it can be cheap for a number of reasons. You need to decide what you need and want for insurance coverage and what your budget is.

Begin your search for auto insurance rates that make sense by entering your ZIP code in the FREE quote box provided!

Many insurance companies do offer cheap insurance. Make sure you do your research before signing a policy. See what the cheap policy offers in terms of coverage and limits.

Also do research on the insurance company itself to make sure it is a reputable company.

Insurance Needs

When you are in an accident, someone needs to be responsible for the damage caused to the vehicles, passengers, or other structures. They usually are covered by the individual who caused the accident.

Insurance is meant to help the driver pay for the damages and reduce the amount paid out of pocket.

The problem comes when the person who caused the accident does not have insurance or does not have enough insurance.

If the person doesn’t have insurance coverage and does not have enough money to pay for the damage, it becomes a real issue for everyone involved.

To help prevent this from happening, over the years most states have made it law that every driver must have a minimum amount of car insurance coverage.

To find out the requirements in the state where you drive, reference the National Association of Insurance Commissioners.

Most states outline a minimum amount of liability coverage. If you cause an accident this covers damage to the other driver and vehicle. There are also minimum amounts that you need to carry, such as a minimum of $10,000 coverage.

Since the majority of states require insurance, most insurance companies know what the minimum required amount of auto insurance is for states where they sell.

The cheapest coverage will be basic coverage, which covers what is required by your state.

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Insurance Wants

For many drivers, the minimum requirements are not enough to cover what they feel they need. Liability coverage only takes care of the other party, so you end up having to pay for your vehicle damage on your own.

To help cover damage to your own vehicle and any of your medical bills, there are other types of coverage available.

Collision coverage will cover your vehicle from damages caused by hitting another object or car.

Comprehensive coverage will cover damage caused by anything else.

Many states offer personal injury protection (PIP) or medical auto insurance coverage to help pay for damage to the driver and passengers. You can also purchase coverage for roadside assistance and other options.

If money is not an obstacle and you drive a newer car, you will probably want to choose a number, or all of the options. The minimum limits are also often pretty low, so you will be much better protected from an accident if you increase the limits of your policy.

Quality of Insurance Company

You may be able to obtain cheap car insurance from a well known company if you have a clean driving record, good credit score, and choose basic coverage. Other companies may offer cheap insurance and it may seem too good to be true.

One of your responsibilities of being a driver is to do research on the insurance company you would like to use. The last thing you want is to have a policy with a company that fights you for every claim or goes bankrupt and is unable to pay your claims.

There are a couple of ways to check out an insurance company. You can check their financial rating and outlook through companies such as A.M. Best.

You can also contact your state insurance agency and ask if there have been any complaints or suits brought up against the company.

Finding Cheap Auto Insurance

There are a number of ways to search for inexpensive car insurance. You can do research on individual companies on your own through the internet, over the phone, or by visiting different offices, but this can take time.

If you would like personal contact but would like someone else to do most of the work, then contact an insurance broker who has access to a number of companies.

You can also do a general internet search. There are multiple sites, such as this one, that allow you to compare multiple companies and their rates just by submitting some personal information.

Enter your ZIP code right here in the FREE box to begin to scout out cheap auto insurance rates!

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