Looking for “cheap car insurance” rates but don't want to take risks by skimping on quality coverage and service? You’ve come to the right place.
We've been helping drivers like you—regardless of financial history or unique challenges—since 1953, offering:
Learn how you can get affordable coverage without compromising the protection you deserve.
Auto insurance rates and offers that seem too good to be true likely are. Dirt cheap car insurance costs can lead to the following risks:
While looking for cheaper car insurance premiums is worthwhile, it’s crucial to also find a reputable car insurance company that can deliver quality coverage and dependable service.
Finding the car insurance provider that offers the cheapest rates can take time and research. Your rates are based on several factors, including the coverages you select, your age, ZIP code, and driving history.
Comparing quotes from several insurance companies is a good way to make sure you get the right coverages at a price that works for you.
Here are several actions you can take for both short- and long-term savings.
Understanding the minimum insurance requirements in your state does more than help keep you legal and safe on the road. Purchasing the lowest form of car insurance you need helps you save money too.
Each state in the country has minimum limit requirements for insurance coverages. Here’s a list of the most commonly required:
Be sure to look up your state’s minimum coverage limits to understand the specific insurance requirements for you. Carrying car insurance not only helps protect you if you’re in an accident, you’ll also avoid additional fees and fines for driving without insurance.
Just keep in mind that carrying just the minimum coverage limits may not fully cover you following an accident. For additional protection, consider purchasing higher limits or adding optional coverages to your policy.
As you choose an insurance provider and prepare to finalize your car insurance policy, review your financial situation to figure out how and when you can pay—and how much:
Need coverage for something else? You’ve got options—like motorcycle, off-road vehicle, renters, life, RV, and Mexico auto insurance. Get information on more insurance products
These steps may not necessarily provide immediate savings, but over time, your long-term savings could be significant.
You want quality service, protection, and savings for your auto insurance.
Blemishes like an at-fault accident, DUI, reckless driving, or other violations on your driving record can increase your premium costs—and even potentially cause other insurance providers to drop you.
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 filings.
Want more than cheap, minimum coverage? We’ve got options that won’t break the bank—even if you’re considered high-risk because of not-so-perfect credit, traffic violations or license penalty points on your record, no prior insurance, a foreign license, or you're a young driver.
Our affordable car insurance coverage options—subject to state availability—include:
There’s no standard definition of “full coverage” car insurance, so it’s important that you review each coverage offering and customize your policy to fit your budget and circumstances.
Need more information as you search for the cheapest car insurance rates? Call us at 888-344-4357 to speak to one of our knowledgeable licensed agents. They’ll help you get the information you need and can also provide a quote for affordable auto insurance.
We offer multiple money-saving auto insurance discounts on our already affordable coverages to help you manage your budget.
Keep in mind, these are just a few of the discounts we offer. We want you to have options so you can tailor your car insurance to meet your spending and coverage goals.
Getting a car insurance quote is easy. Simply click to quote and answer a few simple questions about:
Immediately after you submit your answers, your quote appears on your screen. If you prefer to talk to someone rather than getting an online quote, please call us at 888-344-4357.
Our approach is simple. We believe you deserve more than an insurance product.
Carrying only your state’s minimum coverage requirements can help keep you legal while only paying for the bare minimum amount of car insurance. All states with mandatory car insurance (except Florida) require bodily injury liability and property damage liability. Beyond that, your required coverages depend on your state. If you don’t own a car but want car insurance, a non-owner policy may be a good way to save money.
Here are just some of the many ways you can reduce the cost of your car insurance:
With so many options to consider to reduce your car insurance rates, we know you may have questions. Contact us for answers.
No. Your credit history is only reviewed by car insurance companies to create your credit-based insurance score, so there won't be any hard inquiries that could affect your credit score. This new insurance score helps determine your car insurance rates. So, while getting an insurance quote won’t hurt your credit score, bad credit and payment history on your credit report may result in higher insurance rates.
The time frame you have—anywhere from zero to 30 days—can vary based on your current policy and where or how you purchase your new vehicle. For example, some dealerships require proof of insurance before you can buy a car. Preparation prior to your purchase can help you stay safe and legal on the road. Contact us with questions before you purchase your new vehicle.
Car insurance liability coverages help with the costs you could incur for property damage and injuries to people if you’re in an accident. Comprehensive coverage, meanwhile, can cover damages caused by theft, fire, or severe weather. And there are many more types of coverage to choose from. Because there are multiple types of insurance, it’s important to first learn your state’s minimum insurance requirements before determining additional coverages you might want. If you’ve got further questions, we're here to help you at 888-344-4357.