How to Get Cheapest Car Insurance

Find Discounts How to Get Cheapest Car Insurance

DoNotPay Can Help You Find the Cheapest Car Insurance

Car insurance rates are often a big reason why someone can't afford to have a car. If you wish to have better coverage or have a more expensive car, your car insurance can cost far more than the average stated price.

Car insurance premiums have gone through the roof in recent years, and will likely continue to go higher in the future. Many people do not associate the words "cheap" and "insurance" as is possible, but that's not always true.

Some cities, towns, and states are also notorious for having higher costs for car insurance as well. People simply don't have the money to pay $1,500+ for car insurance each year, plus the cost of car payment and gas as well as maintenance.

Most people would love to save money on their car insurance without sacrificing the coverage they get in return. Many people would have more insurance for themselves, both in terms of liability and collision coverage, if prices were more reasonable. The good news is that such options do exist for more reasonably-priced car insurance.

How Do I Find Cheaper Car Insurance?

Just as you can save on your airfare and phone plans, you can also save on your car insurance. You just have to know where to look and which carriers to consider.

It's important to understand the "average" quotes for car insurance and what they cost.

The average American with a clean record is currently paying around $1,674 per year or about $139.50 a month for total coverage. The average for minimum coverage and insurance runs about $565 per year.

Given the lengthy process of getting a variety of quotes, comparing car insurance plans can be downright frustrating and time-consuming. To find cheaper insurance on your own, you will have to complete the following steps:

  1. Enter your year, brand, make, and model of a car into a search engine and look up "insurance quotes".
  2. Specify the type of insurance you want (the more insurance you want the more it will cost to insure your car).
  3. Make a list of insurance companies and the quotes they offer for your vehicle needs.
  4. Contact the different insurance companies that you are considering using and get more specific quotes that pertain to your specific situation.
  5. Wait for the insurance companies to send you more information on their specific insurance coverage plans, so you can compare plans to find policies that best meet your needs.
  6. Select the policy that helps you save money and provides the coverage you need.

These steps can be arduous and it can be difficult to find the policy that meets your needs. Moreover, if you are using "mainstream" insurance companies for your insurance, you may not be getting the best deal on your insurance. Considering "discount" (yet reliable) insurance companies is often where you will save the most money.

What Factors Play Into My Car Insurance Costs?

There are a variety of factors that will determine what you will pay for car insurance for your vehicle. There is no "one-size-fits-all" for car insurance, and plans will vary based on many factors. Some of those factors that dictate what you pay will include the following:

  • Level of insurance that you are looking to get on your car (full coverage versus minimum coverage)
  • Value of your car ($15,000 car versus $150,000 car - age of the car and the number of miles on the car, etc. can dictate what you will pay for insurance)
  • Age of the driver (the younger the driver the more insurance costs - drivers under 30 are more likely to pay more for car insurance)
  • State which you reside in (some states have more expensive insurance plans than others)
  • Past car accidents (one "at-fault" accident can raise your car insurance premiums by 30 to 60%)
  • DUI convictions can raise your car insurance rate as well

These are just some of the factors that dictate what you might pay for car insurance. However, you can usually find a plan that can save you more money than you are saving now if you are using a "mainstream" insurance company.

DoNotPay Can Help Lower Your Car Insurance Payments

DoNotPay is here to save you time and money when it comes to your day-to-day expenses, including your monthly car insurance payments. Using the DoNotPay 's Car Insurance Tool can help you save money on your insurance, and also provide you with an easier way to find discounted car insurance plans for your car.

The following are the 3 steps that you can take using the DoNotPay tool to find the least expensive car insurance plans to meet your personal needs:

  1. Go to the Deals and Coupons product on DoNotPay.
  2. Enter the store you have in mind or choose a store from our list.
  3. Submit the request and wait to see what we found for you.

These steps can help us collect information about your specific situation and your vehicle so that we can provide some of the best insurance plans possible for your vehicle. We will ensure that you get the specified level of coverage and see the best deals available for your vehicle. All you have to do is pick the plan that best fits your needs, and contact the company about the policy using the information that we provide in your personalized report.

Here are some car insurance promo codes you can look into:

PromotionCode
$50 Credit When Joining Huddle Car Insurance + $50 Credit Off Your Car Insurance PaymentKYMN45
Up to 30% Off Car InsuranceGetQuote
Up to $1000 Cashback on Your Auto InsuranceTobyLorenc

What Else Can DoNotPay Help Me Save Money On?

DoNotPay can help you find the lowest prices on various items as well as promo codes such as:

DoNotPay can also help you save through a variety of different services, including:

DoNotPay strives to provide you with ways to save money whenever possible, while still getting your regular bills paid. Be sure that you are not paying for more than you need through the use of our effective tools. Saving money as well as the extra time and frustration of doing it on your own has never been so simple.

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