Inexpensive Car Insurance

Are you looking for inexpensive car insurance? Fill out the form at the top with your zip code, and you’ll be provided with several inexpensive auto insurance quotes from several major auto insurance companies.

Compare Providers

The number one thing you can do to get inexpensive car insurance rates is to compare auto insurance quotes. All insurance companies do not charge the same monthly premiums. Each company has its own formulas for creating their rates, and its own specific policies. By comparing car insurance agencies against each other, you’ll be able to determine the most affordable policy for your budget.

There are two ways to receive cheap auto insurance quotes. You can look online, or you can call insurance agencies. However, the fastest and most efficient way to get quotes is to implement both strategies.

First, search online for car insurance quotes. Our quote form, at the top of this page, only takes a few seconds to fill out. Once you fill out the form, you’ll be given the names of several prominent insurance companies and their quotes. From there, you can decide which car insurance agencies are within your price-range.

Once you have the list, call the insurance agents directly and request a detailed quote. A detailed quote will provide you with the coverage limitations, applicable deductible and the monthly premium cost.

Types Of Car Insurance Policies

There are two main types of car insurance policies: collision and liability.


A liability car insurance policy only covers the other person’s vehicle. It does not cover the individual who caused the accident. In many states, liability insurance is the minimum amount of car insurance a driver can hold. That’s because if a driver causes an accident, he or she is responsible for paying the other driver’s and any passengers’ medical bills and property damage. This policy typically involves paying a deductible.


Collision insurance pays for the other person’s property and injuries and the driver’s injuries and property. It’s a more expensive policy than the liability policy. This policy typically involves paying a deductible.

Other Policies

Other insurance policies include comprehensive insurance, personal injury protection, uninsured motorist, rental car coverage and emergency roadside assistance.


Comprehensive car insurance covers everything that doesn’t involve hitting another vehicle or object. This type of insurance policy covers floods, storm damage, vandalism, theft and animal strikes. It may or may not include a deductible amount.

Personal Injury

Personal injury protection pays for medical expenses, including hospital stays, doctor’s office appointments, ambulance services, rehabilitation, lost wages and funeral expenses.


Uninsured motorist insurance covers medical expenses and property damage caused by a driver who is uninsured.


Underinsurance motorist coverage covers the damage and injuries caused by a driver whose insurance policy does not cover all the medical bills and property damage associated with the accident.


Rental reimbursement covers the costs associated with renting a car while the car involved in the accident is being repaired. This policy typically covers up to a certain amount per day.

Roadside Assistance

Emergency roadside assistance helps drivers who have a breakdown on the side of the road. It can be used to unlock doors, tow a car and jumpstart a battery. Some even contain gas provisions for drivers who run out of gas.


Most insurance policies come with deductibles. The deductibles can be as little as $100 or several thousand dollars. Cheaper monthly premiums are attainable with higher deductibles, and zero dollar deductible policies, if available, are the most expensive.

Car insurance policies with deductibles cover the repairs costs of the vehicle involved in the accident up to the vehicle’s value prior to the accident minus the deductible. If the car is declared a total loss, a check is written for the value of the car prior to the accident minus the deductible.

A great way to lower monthly premium is to carry a higher deductible. However, the deductible needs to be an amount that the policy holder can always afford. If the policy holder can’t always afford a $1,000 deductible, he or she should get a policy with a lower deductible to spite the increase in monthly costs.


Another great way to save on car insurance is to take advantage of the discounts offered by the insurance provider. Discounts include, over 25, multi-car, multi-line, student, safety and no accident.

Over 25

Drivers over the age of 25 receive an automatic discount. This is due to research that shows that drivers over the age of 25 are safer than younger drivers.


Multi-car discounts are given to drivers or households that have more than one car insured with the same insurance company. This is useful for people who own more than one car and households that have more than one driver living at the address.


Multi-line discounts are given to customers who have more than one policy at the insurance agency. This means that if an individual carries their car insurance and renters or homeowners insurance with the same insurance provider, they are eligible to receive a multi-line discount.

Student Good Grade Discount

Students under the age of 25, who are full time college or university students, are eligible to receive a student discount as long as they maintain a certain GPA. To qualify, students merely need to show proof of their GPA to the insurance provider.


Discounts are given to drivers who own cars with certain safety features. Those features can include side airbags, front airbags, child locks and ABS brakes.

No Accident

Drivers, who are accident free for a certain number of years, are eligible for “good driver” discounts. These drivers haven’t been involved in an accident for at least three years, and they receive the discount because they are not costing the insurance company money.

There are numerous ways to get inexpensive car insurance. Drivers merely need to be vigilant about the insurance providers they use, get online quotes, call the potential insurance agencies, choose an appropriate deductible and take advantage of all available discounts.