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How to get cheaper car insurance

Added March 17, 2021
Someone driving a car

Allow us to off load some heaviness from your research and decision-making process as we provide details on short- and long-term ways you can get cheaper car insurance. We also share additional services and benefits available to you from Dairyland®—because “cheap” doesn’t need to mean lesser value. Let’s get started!

Review cheap car insurance coverages

What’s your first step to get cheap car insurance? Review all your auto insurance coverage options. This helps you find the coverages you want at the prices you want to pay—and helps inform you about car insurance requirements.

Required car insurance coverages

To help ensure your safety and protection on the road, every state in the country [except for New Hampshire] has a minimum limit requirement for insurance coverages. Here’s a list of the most commonly required:

  • Bodily injury liability: This coverage helps pay for bodily injury to another person if you cause an accident.
  • Property damage liability: If you cause an accident, this coverage helps with costs associated with damage to another person’s property.
  • Uninsured/underinsured motorist protection: If you’re hurt in an accident caused by a driver who doesn’t have insurance or enough insurance, this coverage can help with the cost of your injuries. Different than the required liability coverage, insurance companies are often required to offer you uninsured/underinsured coverage, but in many states, you have an option to reject it.

Be sure to look up your state’s minimum liability limits to understand the specific insurance requirements in your state. This coverage not only helps protect you if you’re in an accident, you’ll also avoid fines for driving without insurance.

Optional, affordable auto insurance 

Although driving with your state’s minimum liability limits helps provide you with protection and keeps you legal, we recommend looking at additional, low-cost insurance options to help maximize your protection.

Here are some of the options Dairyland offers:

  • Collision: This coverage helps with costs for damages to your car after it hits another car, regardless of who’s at fault.
  • Comprehensive: If your car is impacted or damaged due to theft, severe weather, vandalism, or falling objects, this coverage is designed to help with those costs.
  • Special equipment: Pays for damage to special equipment you may have installed on your car. Some restrictions can apply.

The more affordable car insurance coverage options you have available to you, the better your chances are for customization that fits your lifestyle and cost expectations. If you want guidance with your coverage decisions, we’re here for you. Call 888-344-4357 and we can help answer your auto insurance questions.

Leverage car insurance discounts

What’s better than finding affordable car insurance? Finding low prices and then finding further discounts, of course. Here’s a sampling of auto insurance discounts that Dairyland offers to help you keep more of your hard-earned dollars:

  • Transfer: If you’ve had coverage with another auto insurance provider for more than six months, you can receive this discount when you transfer to Dairyland. In some cases, we offer this even if you’ve had a short lapse in coverage.
  • Multi-car: Have more than one vehicle requiring car insurance? This discount helps you save when you add another car to your policy.
  • Homeowners: You can qualify for this discount if you own a home and can prove you’ve insured it. Even if you don’t own a home, ask us about renter’s discounts.

Check out more budget-friendly car insurance discounts we offer, or call us at 888-344-4357 for a quick quote that includes the discounts you qualify for.

Educate yourself on factors that affect your auto insurance rate

Do you know the factors insurance companies use when determining your car insurance costs? Here are some considerations to be aware of:

  • Your age: Young drivers typically pay more for car insurance than experienced drivers. As younger drivers have less experience behind the wheel, they’re statistically more likely to be involved in accidents.
  • Your location: Where you live can affect the cost to insure your car. For example, if you live in an area with frequent claims, this could increase your policy cost. And if you live in a ZIP code with a higher vehicle theft or crime rate, your premium may cost more than someone who lives in an area with a lower crime rate.
  • Your car: The make, model, and year of your car also plays a role in how much it costs to insure, so keep this in mind if you’re in the market for a new car. If you’re looking at a newer vehicle with updated technology features, remember that these vehicles often cost more to repair, and likely more to insure.

These are just a few factors that can influence the cost of your policy. If you want more personalized service and advice, friendly Dairyland representatives are available to help you.

Find the best cheap auto insurance for your circumstances

You deserve quality service, protection, and savings for your auto insurance. Look at some ways we help make getting cheap car insurance more convenient for drivers like you:

  • Teen drivers: As a parent or guardian, adding a teen driver to your car insurance policy can be daunting. We offer teen driving and insurance education tips for you—online and via our skilled customer service team—to help keep your young driver safe on the road while helping reduce your car insurance costs.
  • College-age drivers: Buying insurance for the first time can be confusing. It doesn’t have to be. Dairyland auto insurance is not only affordable to help fit a young driver’s budget, it also comes with a knowledgeable customer service team to help answer any questions you have.
  • Senior drivers: When you’re on a fixed income, it’s nice to have payment options. We offer many customers choices on payment terms (pay-as-you-go, quarterly, six-month, and one-year terms) to help ensure your auto insurance plan works for you. Additionally, you can earn a discount if you pay for a longer term versus the pay-as-you-go plan.
  • Drivers with violations: Blemishes like an at-fault accident, DUI, reckless driving, or other violation on your driving record can increase your premium costs. Violations can also mean you’ve been dropped from your insurance. At Dairyland, we understand that mistakes can happen, and we do our best to help drivers get back on the road legally and quickly through our same-day, no-fee SR-22 filing.
  • Drivers that don’t own a car: If you borrow someone else’s car because you don’t own one, you still have options for driving protected. Consider our nonowner insurance. It’s a low-cost car insurance that helps protect you if you cause an accident while driving another person’s car.
  • Drivers with low income: Prioritizing payments while living paycheck to paycheck can be overwhelming. Especially when you think about monthly payments over time. Dairyland can help with our pay-as-you-go insurance plan so you aren’t locked into terms that don’t make sense for your current or future financial situation.
  • Drivers with insurance lapses: If you lapse in insurance coverage because you can’t make a payment, auto insurance carriers can cancel your policy. At Dairyland, we provide easy restart policies so you can continue your coverage with us—even after you miss a payment or take a break from insurance. We just start over again when you’re ready!

In addition to the services and options mentioned above, we offer:

Regardless of your history, you’re welcome here. Get a free quote for cheap car insurance now.

Lower your car insurance rates

While it’s impossible to control every life circumstance thrown your way, we want you to feel empowered when reducing your auto insurance rates. Here are some ways to help you get a cheaper car insurance premium:

  • Boost your credit score: In most cases, the common factors and behaviors that affect your credit score are factors in calculating your insurance score. Car insurance companies use your insurance score to help determine your car insurance premium. Improving your credit score can positively influence your insurance score, helping you achieve a cheaper auto insurance rate.
  • Pay up front: If you can pay your total premium in one payment, you can receive a deeper discount.
  • Consider longer terms: Instead of a six-month term with your auto insurance company, select a year-long term so you can benefit from a locked-in rate.
  • Improve your driving record: At-fault accidents and other incidents can increase your insurance rates. Cleaning up your driving record can help you attain cheaper auto insurance.
  • Drive an older car: An older model vehicle can be cheaper to insure due to its lower value compared to a brand-new vehicle.
  • Take a defensive driving course: Completing a defensive driving course often gets you a discount on your auto insurance.

Drive toward savings with a cheap car insurance quote

We want to help make your auto insurance and dollars work for you. Start your quote for cheap car insurance above or call 888-344-4357 and we’ll help you.

Related links:

Don’t miss further advice and tips on how to budget for car insurance.

Since you’re shopping for cheap car insurance, here are five facts you should know about auto insurance before you buy.

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