Enter your ZIP code:

How Cheap Car Insurance Can Save You Money

The average American household spends approximately $5,000 a year on car insurance. That figure, though now finally slowing, has in the past seemed to rise year after year, reflecting medical and legal costs, accidents, theft, fraud, drunk driving, auto repairs and even insurance company expenses.

Where you live also helps determine the cost of your car insurance. (As real estate agents say, "Location, location, location!") Finding cheap car insurance can be a real challenge near cities like Detroit, Philadelphia, Newark, Los Angeles or New York City—the most expensive cities for car insurance. But move to Roanoke, Virginia; Chattanooga, Tennessee; Green Bay, Wisconsin or Raleigh, North Carolina—the least expensive cities for car insurance—and cheap car insurance is easy to come by.

Getting the Best Price

With gasoline prices about 25 percent higher nationwide than a year ago, acquiring cheap car insurance is more vital now than ever.

Cheap car insurance is not an untold secret. In fact, almost anyone can find it…you just have to know how to go about it.

The first step is to do your research and read as much as you can on the subject of car insurance.

Seek out information from your state's department of insurance, where you can find many articles and press releases. Go to your area library and look up books and magazine articles on car insurance. Check out insurers online with companies like A.M. Best and Weiss Ratings Inc. There you can find out how insurance companies score on issues such as customer satisfaction and price.

The next step in finding cheap car insurance is to comparison shop.

Use a company like InsureMe to seek out comparative quotes. Talk to local insurance agents to find out what kind of coverage you need, what they have to offer and how competitive they are for your business. Talk to friends and family members to see who they use for cheap car insurance and how satisfied they have been with their insurers. 

Finally, consider the information you have gathered and make the most informed decision possible.

Consider not only price but also elements like customer service and satisfaction. These factors can go a long way when you need to file a claim or report an accident.

Determining Your Premium

Pricing amongst auto insurance companies varies greatly. Although cheap car insurance can be acquired, premiums are generally based upon certain set factors and characteristics.

Some of these include:

  • Age, gender and marital status
  • Auto type
  • Where you drive, how you drive, use of your vehicle
  • Driving record
  • Household driving information
  • Coverage limits
  • Credit history

More expensive insurance often accompanies more expensive vehicles, or those which cost more to repair. So before you buy a new car, be sure to consult with your car insurance company to find out if you can get cheap car insurance.

Cutting back on the number of miles you drive annually can go a long way toward keeping your car insurance premium low. If your household consists of two vehicles or more, consider putting the majority of miles on the least expensive car. This will help maintain cheap car insurance while keeping the other vehicle's depreciation at a minimum.

The driving records of all drivers in your household are used to set your car insurance premium. If you have very young or elderly drivers living with you who have acquired numerous tickets or accidents, their driving reputations may mean you cannot get cheap car insurance.

Your credit history can be used for two purposes: to determine whether an insurance company will insure you, and to set your premium level. Some states no longer allow car insurance companies to use this information in determining your eligibility for cheap car insurance, but the majority does.

Keep your credit score as high as possible by paying bills on time and keeping credit and debt to a minimum to ensure the best car insurance prices possible.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17720
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 18044
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16994
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17540
81 How to Get Discount Auto Insurance youcomparequotes 17797
80 Insurance for Van Lovers youcomparequotes 17543
79 Car Insurance That Fits Your Needs youcomparequotes 17196
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17383
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18401
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17198
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19439
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17784
73 Auto Insurance from InsureMe youcomparequotes 17699
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 18065
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18455
70 Buying and Insuring a New Car youcomparequotes 16817
69 Compare Auto Insurance Rates youcomparequotes 17145
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16651
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16744
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17203
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17313
» How Cheap Car Insurance Can Save You Money youcomparequotes 16660
63 How to Reduce Car Insurance Prices youcomparequotes 17191
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17384
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16700
60 Auto Insurance Cost & Your Ride youcomparequotes 17196
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16972
58 How to Get the Cheapest Car Insurance youcomparequotes 16880
57 Selecting a Car Insurance Company youcomparequotes 17579
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17188
55 Get the Best Car Insurance Rates Around youcomparequotes 17429
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16466
53 Child Safety Belts Keep Kids Safe youcomparequotes 17132
52 Speeding and Car Insurance Rates youcomparequotes 16858
51 Not At Fault Car Insurance & Accidents youcomparequotes 16971
50 State Auto Insurance Becoming Available youcomparequotes 17459
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17710
48 Car Insurance & Roommates or Family Members youcomparequotes 17283
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16981
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16885
45 SUVs: Minor Collision, Major Damage youcomparequotes 17436
44 Severe Weather Driving Tips youcomparequotes 17213
43 Avoiding Aggressive Drivers youcomparequotes 18075
42 Safety Tips & Car Insurance for Teens youcomparequotes 17129
41 Insurance for Cars: It's Your Choice youcomparequotes 17086
40 Car Insurance Quotes Save You Money youcomparequotes 17148
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 18023
38 Safety Features Save Lives & Money youcomparequotes 16909
37 Curbing Auto Insurance Prices youcomparequotes 16450
36 Teen Auto Insurance youcomparequotes 16734
35 Car Insurance: Your Questions Answered youcomparequotes 16786
34 How to Buy Car Insurance youcomparequotes 17422
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16701
32 Truck Insurance for Your Pride & Joy youcomparequotes 16489
31 How Insuring a Used Car Can Save You Money youcomparequotes 17517
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17339
29 Credit Scores & Car Insurance youcomparequotes 17930
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 17001
27 Reducing SUV Insurance Rates youcomparequotes 16872
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17389
25 How to File an Auto Insurance Claim youcomparequotes 17027
24 Avoiding Deer Collisions While Driving youcomparequotes 17494
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16850
22 Auto Insurance Basics That Save youcomparequotes 17251
21 It's Official - Men Are Terrible Drivers youcomparequotes 18755
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17503
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 17027
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17287
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17060
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17411
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16900
14 Your Options in Motorcycle Insurance youcomparequotes 16877
13 The Advantages of RV Insurance youcomparequotes 17249
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34756
11 Insuring Your Teen Driver youcomparequotes 17022
10 The SR22 & Car Insurance youcomparequotes 16505
9 Auto Insurance & Generic Parts youcomparequotes 17213
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18348
7 Drowsy Drivers, Wake Up! youcomparequotes 16512
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17889
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17318
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21415
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16819
2 Auto Insurance Quotes youcomparequotes 17282
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17619
XE Login