The Best Ways to Get the Cheapest Car Insurance Quotes

To find the cheapest car insurance quotes, you can do things like comparison shop, lower coverage, and add discounts. Then, use our car insurance free quotes comparison tool below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 23, 2022

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The Rundown

  • Many factors affect car insurance, including your age, driving record, vehicle, and credit score
  • Lower coverage and raise deductible to get lower car insurance quotes
  • Discounts significantly lower auto insurance rates

Since most states require auto insurance, finding the cheapest quotes for car insurance is essential. Fortunately, there are many ways to get the cheapest car insurance quotes available for you.

While several factors affect car insurance rates, you can improve some of them to get lower rates, such as cleaning up your driving record.

In addition, carefully consider coverages and deductibles to get cheap insurance quotes. Although some coverages are mandatory, others are optional. Lowering coverage and raising deductibles are just two ways to reduce rates.

Adding discounts also significantly impacts auto insurance rates. Most insurers offer discounts based on the driver, the policy, and the vehicle.

Knowing how to get cheaper car insurance quotes can save you hundreds of dollars, and comparison shopping is the best way to find the lowest rates. Compare cheap auto quotes online to find great coverage with low rates.

Now, let’s dive into what affects car insurance and learn ways to get cheap car insurance quotes.

What factors affect car insurance rates?

In order to learn how to get cheaper auto insurance, you first need to know how car insurance rates are determined. Many different factors affect your rates. While you can’t change some elements, others can be adjusted to get the cheapest insurance quote.

Factors that determine car insurance rates include:

  • Demographics. Your age, gender, and marital status affect rates. Younger drivers, males, and single drivers have higher rates since they are more likely to be in accidents.
  • Vehicle. New or expensive cars cost more to repair and replace, so coverage costs more. Also, custom and exotic cars are more costly to insure.
  • Driving record. Your driving record indicates if you’re a risky driver. Drivers who are likely to cost the insurance company money see much higher rates.
  • ZIP code. Drivers who live in high crime areas are more likely to file an accident or theft claim. Likewise, drivers who live in high-traffic areas are also more likely to be in an accident.
  • Coverage. The coverages and limits you choose affect rates. More coverage with high limits and low deductibles equals higher rates.
  • Credit score. Drivers with a low credit score are more likely to file claims and may not make payments on time. Meanwhile, a high credit score indicates drivers are more willing to pay for damages out of pocket.

Obviously, you can’t change your age or gender. However, you may see lower rates if you get married. 

Significant life events drastically change car insurance rates. So, whether you’re getting married or your teenager just got a driver’s license, compare the cheapest car insurance quotes to see if you can get lower rates.

Keep reading to learn how to significantly change other areas of your life to help your chances of getting cheaper car insurance.

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How to Get Cheaper Car Insurance Quotes

The first thing to consider is your vehicle. When buying a new car, look for cars with the cheapest insurance rates. Avoid overly expensive or exotic cars to keep rates low. Instead, choose a car with low repair costs and inexpensive insurance.

When it comes to getting the cheapest car insurance, improving your driving record makes a significant impact. 

If your driving history leaves something to be desired, you’re not stuck with high rates forever. Infractions on your driving record come off every few years. So avoid adding more accidents, tickets, and DUIs to reduce rates drastically. 

Moving to get lower car insurance rates might not be practical. However, you can improve your car’s security, park in a garage, and install enough lighting to discourage vandals and thieves. Then, when you move, research to find ZIP codes with lower crime and traffic. 

Although some states don’t allow your car insurance company to look at your credit score, most states still allow it. Fortunately, you can improve your credit score easily. 

Think carefully before using credit and make on-time payments. While the process takes time, eventually, you’ll see much lower auto insurance rates. In addition, you’ll get lower rates on other purchases, such as a home or car.

When looking for cheaper car insurance, comparison shopping is the best way to find what you need. Every company evaluates your personal factors differently and offers different quotes.

Although many car insurance companies claim to offer the lowest rates, do the research to see which one is best for you and be sure to compare the cheapest car insurance quotes. Also, don’t forget about the smaller or local insurance companies. Many times, a national company can’t offer you the best rates.

Does changing your coverage help you get cheap insurance quotes?

When learning how to get the cheapest car insurance quotes, first look at your coverage. Even though most states require you to have auto insurance, liability coverage is all that’s typically needed, and limits are very low.

Most experts suggest full coverage, which combines liability, collision, comprehensive, and other mandated coverages. However, full coverage rates are higher because you’re more protected.

In order to decide how much coverage you need, think about your vehicle and how you use it. If your car is older or not worth much money, it may be cheaper to forgo extra coverage and pay for damages yourself.

You can also drop extra coverages, such as rental car coverage and roadside assistance. For example, if you have a vehicle you can borrow if yours is in the shop, you don’t need rental coverage. Also, your credit card may already have rental car coverage.

You can probably skip roadside assistance if you don’t often drive or drive very far. Many third-party companies also offer roadside assistance and may have cheaper rates than your insurance company.

Your insurance policy comes with deductibles. A deductible is the amount of money you pay before your insurance kicks in. A higher deductible means you pay more out of pocket, but your rates are lower since the insurance company pays less.

If you don’t spend a lot of time behind the wheel, consider changing to usage-based insurance. You pay a small fixed fee plus a per-mile charge with this type of insurance. However, coverages are generally the same, and rates are much lower.

It’s important to compare the same coverages as you compare insurance quotes. Keep coverages, limits, and deductibles the same when looking for the cheapest online insurance.

Can discounts help you get the cheapest rates for car insurance?

Sometimes getting the cheapest car insurance means finding the best discounts. Discounts make a huge impact on auto insurance rates. They can make the difference in which company is cheaper for you. 

Most car insurance companies offer various discounts based on the driver, policy, and vehicle. However, the specific discounts and savings amounts vary by insurer.

Drivers get discounts based on their driving record, how they do in school, and even where they work.

Driver discounts include: 

  • Safe driver
  • Defensive driving course
  • Occupation
  • Distant student
  • Driver’s ed
  • Good student
  • Membership

While some driver discounts, such as safe drivers, are based on how they drive, some discounts have nothing to do with driving. Drivers are eligible for discounts based on their occupation and membership in certain groups.

For example, first responders and teachers typically earn car insurance discounts. The cheapest car insurance for teachers, police, and other emergency personnel is usually from the company with the highest discount.

Policy discounts are based on specifics such as what type of policy you have and how long you’ve been with the company.

Policy discounts include:

  • Multi-car
  • Multi-policy
  • Continuous coverage
  • Paid in full
  • Claims-free
  • Loyalty
  • Paperless

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Is it cheaper to combine car insurance policies?

Yes, your insurance company probably offers a discount if you have more than one policy, such as home and auto.

Your car can also help you save money. Auto insurance companies offer discounts if you have features to avoid accidents. Avoiding accidents keeps you safe and saves the insurance company money.

Vehicle discounts include:

  • Low mileage
  • Anti-theft devices
  • Green vehicle
  • Anti-lock brakes
  • Vehicle recovery system
  • Collision warning systems
  • Adaptive cruise control

Insurance companies also allow you to bundle all of the discounts available. So when looking for the cheapest online insurance, don’t forget to factor in discounts. The savings are significant.

Ways to Get the Cheapest Car Insurance Quotes: The Bottom Line

Learning how to get the cheapest car insurance is a must for today’s drivers. Fortunately, there are multiple ways to lower rates and save money on car insurance.

The first step to getting cheaper car insurance is figuring out your needs. Consider which coverages you need, what you can skip, and how much you’re willing to pay out of pocket with deductibles.

Additionally, consider a different type of insurance, such as usage-based coverage, if you don’t drive a lot. While coverages are the same, rates are typically much lower.

Then, change the factors that affect your rates, such as cleaning up your driving record and improving your credit score. Also, look for the cheapest car to get insurance on that still fits your needs and budget.

Getting cheaper car insurance with discounts is an easy way to save. Auto insurance companies offer discounts based on you, your policy, and your car. Combine discounts for the most savings.

Finally, compare the cheapest car insurance quotes online to find the best fit for you. Remember, each company weighs your personal factors differently and offers different rates. For example, one company may overlook that speeding ticket, but another may raise your rates.

Learning how to get the cheapest insurance is essential for all drivers. Compare quotes often to ensure you always have the best coverage with the lowest rates.

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