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 12, 2020

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You can find very cheap auto insurance by shopping around and comparing prices. While there are many things you can do to bring your car insurance rates down, the biggest thing is to compare as many quotes as possible.

Each insurer has differing underwriting guidelines, so you will find that rates vary greatly from company to company. Be sure to shop around!

Get your own cheap auto insurance quotes in no time by entering your ZIP code in the FREE quote tool to get started!

Because insurance is all about risk, the less risk you transfer to the insurance company, the cheaper your auto insurance will be.

Consider how much risk you can afford to cover yourself and how much you need to transfer in order to avoid high insurance premiums.

Your Choices Can Make Your Auto Insurance Very Cheap

Car insurance is a necessity for anyone who owns a car. However, the choices you make in your insurance coverage can help you get the cost of it down.

It is important to understand the different forms of coverage available and what is mandatory where you live.

You can find this information from the Insurance Information Institute.

Many drivers need full coverage because their car is financed or simply because they can’t afford to replace it if it were destroyed.

Therefore, they will need to pay more for coverage like collision and comprehensive to cover their own vehicle’s property damage.

To make this type of coverage cheaper, raise the deductibles, bearing in mind that if you have a claim, a bigger portion of it will fall on you.

If you are truly in need of very cheap auto insurance that provides the coverage that you require by law, you can take out a policy for only the basic amount of coverage mandated by your state. This will be the cheapest auto insurance policy that you can find.

However, it is important to note that it is also the kind of policy that leaves you least protected. In the case of a serious accident, you could be sued for more than your insurance coverage limits and be held personally liable for that amount.

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Your Actions Can Help Bring Your Auto Insurance down

Being a careful driver can bring your auto insurance premiums down. One of the biggest factors considered in setting insurance rates is the driving record(s) of those in the household.

Therefore, it is important to drive defensively, avoiding accidents and tickets. Encourage others in your household to do the same.

Taking a driver training course can also help bring your auto insurance costs down. This is especially important for new drivers. However, for those who get a ticket in many states, a driving course can effectively nullify the ticket’s impact on your insurance.

Long-term changes can also help bring down your auto insurance. If you choose to live in a rural area instead of an urban one, your insurance will be lower.

If you check the cost to insure a vehicle before purchasing it, you can avoid getting stuck paying high auto insurance rates.

By limiting the number of miles you put on your car annually, you will also be able to get cheaper auto insurance.

The Hazards of Choosing Very Cheap Auto Insurance

Often when things seem too good to be true, they are. This is true for very cheap auto insurance. If you have gotten a very cheap quote on your car insurance, be skeptical and examine it closely.

There may be a reason why it is so much cheaper than other quotes.

If a company is offering very cheap auto insurance that is out of line with what other insurers are charging, it may be that the company is desperate for customers.

Check out their financial ratings from an independent insurance rating company, like A. M. Best or Weiss Ratings. If their grade is less than a “B”, you should be concerned about how stable they are and if they will be in business much longer.

You should also look closely at the details of the auto insurance policy you are being offered. If it is significantly cheaper than the rest, the duration might be shorter, limits may be lower, or exclusions may exist on the policy.

By reading the fine print, you can be sure that you are comparing applies with apples.

Remember that choosing a barebones policy that only gives you the minimum amount of insurance as required by law can leave you unprotected. If losses exceeded coverage in an at-fault accident, it could be financially devastating to you.

Therefore, it is important to weigh the risk of whether or not you should skimp on coverage to save a little on premiums.

Find out more about your very own cheap auto insurance rates when you put your ZIP code in the car insurance quote tool to start the FREE price-finding process!

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