Cheap Car Insurance

Ticket theft personal injury protection underinsured motorist savings savings savings speeding ticket process average increase multi-policy discount Monthly rate married couples senior driver optional coverages minimum requirements premiums minimum coverage liability insurance gap insurance proof of insurance bad credit liability per person deductible payment flexible payment options Medical payments coverage types type of vehicle liability limits minimum limits.

How Does Car Insurance Work?

A car insurance policy is essentially a contract or commitment between an insurance company and a policyholder.

This contract is enacted once you settle on the coverage you need. The policy a customer agrees on will outline all the terms of coverage and the deductible.

Once you agree on a policy and types of coverage (and exclusions), you will begin paying your monthly premiums.

Drivers should have an idea of what their premiums will be prior to purchasing a policy. This can be done so by getting free car insurance quotes to determine your annual rates.

A quote for car insurance is offered for free by insurance companies and gives an estimate of how much your coverage will cost.

A Car Insurance quote is determined by a number of personal factors, like where you live, car type, marital status, credit score, driving history, and coverage term. More on how premiums are calculated will be explored later.

Paying your monthly premiums will keep your policy active for the set term, usually six or twelve months. Once the term is up, you will have the option of renewing your policy or finding a new insurance company.

Cheap Car Insurance Near Me

Hearing about low rates hundreds of miles away might not help you. Finding cheap car insurance near you from a company you can trust is important.

We proudly provide cheap car insurance rates for all 50 states online and over the phone.

We have locations in the following states, Illinois, Indiana, Wisconsin, Texas, and California. You can meet with our highly trained insurance agents and get the cheapest car insurance quote for your vehicle.

Lower Your Auto Insurance Rates

Shopping for a Car insurance quote can get pretty pricey, depending on your circumstances.

Some things about your rates can be customized while others you can’t control. Luckily, there are a number of savings and discounts available that can lower your rates.

Outlined below are some steps that drivers can take by getting cheaper car insurance rates and discounts.

Compare Low Cost Car Insurance Rates

Get the best price by doing research and comparing quotes It is important that you get auto insurance quotes, from several different companies. Look both locally and nationally for quotes.

When you find an appealing quote from a company, make sure you take the time to compare the different car insurance policies that are offered.

A good price for a policy does not equal good coverage. You want to make sure you will actually be protected in the event of an accident or traffic collision.

Drivers who fail to check the fine print can put their coverage at risk.

Cheaper car insurance with better coverage is possible with Insurance Navy™.

Better Your Credit Score

Improving your credit score may take some time but could get you discounts on your premiums. Drivers with poor credit scores pay more for their monthly premiums.

Drivers can take some steps to improve their credit scores, such as paying their bills on time or using a secured credit card.

By improving your credit score, you will appear more financially responsible to the insurance company by having high credit-based insurance scores and getting more cheap auto insurance rates.

Insurers will then see you as less of a risk being in higher credit tiers and possibly offer you discounts on your policy. Doing this can really help you in the long run by getting better discounts and the cheapest car insurance quotes.

Downgrading Your Car

While driving a big fancy car may be appealing, you could be paying a lot to insure the covered vehicle.

Ask yourself if you really need the car you are driving. If it is becoming too costly to insure, you may want to consider downgrading to a smaller and more affordable vehicle. Rates for drivers on older and less expensive cars tend to be lower.

Once you have done so, inform your insurance company, and ask for a new car insurance quote. You could see some discounts on your policies rates.

Stay Claim-Free

Not filing claims and safe driving is a great way to keep your premiums low. After each collision claim you file, your rates will typically go up a bit.

At-fault accidents and the accumulation of property damage claims can make insurers view you as a high-risk driver by a company.

By being a smart and safe driver with a clean driving record, you will file fewer physical damage claims and can then keep your rates low.

There may even be a chance of lowering your rates and getting discounts after an accident by taking a defensive driving education course following a collision claim.

Car Insurance Discounts

Car Insurance companies offer a wide variety of discounts. You should definitely take advantage of any discounts when you can.

Don’t be afraid to ask your insurance agent about discounts even if they are not listed on the insurer’s website.

Insurance agents will be valuable resources in getting cheaper car insurance rates, especially since there may be more discounts you are unaware of.

Here are some common discounts customers should be on the lookout for:

Good driver discounts
Student discounts
Military service member/veteran discounts
Senior discounts
Multi-policy, multi-car discounts
Low Mileage Discounts

Adjust Car Insurance Coverage

How high or low you set your coverage limits will impact your premiums. If you opted for a higher coverage limit, you could try lowering it for cheaper rates.

However, you must ensure that you are not going below your state’s minimum level of liability insurance or collision coverage.

Vehicle owners want to make sure they still have enough coverage so that they will receive excellent protection in an auto accident.

Cheap car insurance rates are always appealing, but you never want to jeopardize your coverage for lower premiums.

Bundling Affordable Car Insurance Quotes

Many car insurance companies offer cheaper premiums for customers who have multiple types of policies with them.

In this case, you could bundle coverage such as renters or homeowners insurance, and your auto insurance policy with one company.

By bundling multiple products or services, you may get cheaper rates and more discounts on your car insurance quote. Not every company offers this type of homeowner or renters discount.

Make sure to compare car insurance quotes, if you are interested in getting the most affordable rates, higher discounts, and the cheapest option.

Average Cost For Car Insurance

The average cost of car insurance can vary depending on many factors. There are a lot of factors that insurers use in determining every driver’s auto rate.

Your auto premiums can vary greatly from your neighbors. However, it may still be useful to establish a baseline you can reference when shopping for the cheapest car insurance options.

On average, drivers pay around $1,600 annually for full coverage. That’s an average monthly fee of around $133.

Your cheap car insurance quote can easily be above or below this average, especially if you are only paying for mandatory liability coverage.

Factors That Affect Your Car Insurance Rates

There are a number of factors that companies use to establish your annual premiums.

Keep these factors in mind when you are getting a car insurance quote and begin budgeting for your new policy.

A company will require this information at the time of requesting a car insurance quote.

Cheaper rates and higher car insurance discounts are determined by the following methodology:

How where you live affects auto insurance quotes

Where you live will play a big factor in your car insurance rates.

Not only does your state and its mandatory minimum coverage affect your rates, but even something as specific as your zip code can be taken into consideration.

If you reside in an area with a higher crime or accident rate, your quote will be higher. Factors like traffic volume in the area can also be taken into account.

How driving safety impacts car insurance quotes

When applying with the cheapest car insurance companies, they will typically investigate your driving record.

If you have no record or one with multiple at-fault accidents, a speeding ticket, other violations, or a DUI listed, your rates will be higher as you are considered to be a high-risk driver.

Companies always offer the lowest rates for customers buying vehicle insurance with a clean driving record, who they see have lower risks of filing claims.

How credit score impacts auto insurance premiums

Some companies will take your FICO credit score into account.

Credit scores, credit history, and your credit report are the best indicators of how financially responsible you are.

When you have a high credit score, you most likely pay your bills on time which is appealing for insurers. In turn, you will be offered more affordable rates and your quote will be lower.

However, if you have a poor credit score, you may pay a higher price for coverage.

Insurance Navy is one of the few insurers that can offer the cheapest car insurance quote with no credit check necessary.

How age and gender affect car insurance quotes

In many states, both your age and gender can be factors when determining your policy rates.

Teen drivers and the elderly are the ones that pay a higher price for coverage. This is due to the fact these teen and older drivers tend to get into more accidents.

When it comes to gender, men see higher prices for policies than women as they have a habit of engaging in risky behavior.

Insurers can even take your marital status into account when calculating the cost of your quote. Keep this in mind when shopping for a car insurance quote from cheap car insurance companies.

Vehicle type and auto insurance quotes

The car you drive will impact your policy rates.

Some cars, trucks, vans, and SUVs are just more expensive than others to insure. This can be due to the availability of parts and the car’s safety features.

What has been outlined above are just some of the factors that will be taken into consideration when searching for cheap auto insurance quotes.

Some other things insurers look for include the amount of coverage you want and your history of claims with another company.

How Much Coverage Does Your Car Need?

Setting your coverage is a big part of purchasing an auto insurance policy.

Coverage limits are the maximum amount of money your insurer will pay in the event of a claim.

For example, if your vehicle has $30,000 worth of damage but your comprehensive coverage limit is set at $20,000, there is $10,000 worth of damage not covered in an accident.

How much coverage you need is dependent on your state’s laws and your personal needs.

You must carry at least the state-mandated minimum coverage, but you can always purchase higher limits if you feel you need more protection.

Accidents can be very pricey, but don’t sacrifice collision coverage for the cheapest rates.

It is not recommended that you strictly rely on the state-mandated minimum liability coverage and not also purchase comprehensive coverage.

It is highly unlikely that purchasing only liability car insurance will provide you with enough coverage. Keep comprehensive coverage in mind when shopping for car insurance quotes online.

Understanding Car Insurance Coverage Limits

Car insurance coverage limits are expressed on policies as a string of three numbers.

For example, you will most commonly see them written out as either: 15/30/15 or $15,000/$30,000/$15,000.

Each of these numbers correlates with a specific liability coverage amount.

They represent bodily injury per person, bodily injury per accident, and property damage, respectively.

Reading policy coverage breakdowns will be beneficial for understanding the full scale of coverage for the auto policy you purchase from the cheapest company.

Keep your liability coverage limits in mind when shopping online for a cheap car insurance quote.