Top 10 Ways to Find Really Cheap Auto Insurance

The U.S. economy is in such bad shape that people are freaking out left and right trying to find really cheap auto insurance. Good thing the digital age is here – making it easier than ever to save on just about everything we buy.

No need to go door-to-door to different insurance agencies getting quotes – you don’t even need to pick up the phone! Thanks to amazing advances in technology, cheap auto insurance is now just a click a way.

“You can quote me on it”

The very best way to get really cheap insurance is by getting quotes from car insurance companies online. But you need to protect yourself while shopping online – especially when looking for really cheap insurance.

Really Cheap Auto Insurance:

1. Go to an Unbiased Site

Buyer beware! There are a zillion auto quote web sites claiming to get you really cheap auto insurance, however, the majority of these sites will only shop your business to a couple of insurance companies they have contracts with.
Make sure the web site you’re inputting your valuable personal information into is sending it to the right major insurance companies. is an excellent example of a web site that will get your information to the companies you’ve known and trusted for years.

2. Gather your 411

For those who aren’t up to date with texting lingo – that means get your information ready.

If you have your declarations page handy, that will have all the information regarding your current coverage, and the cars you’ve insured.

If you don’t, here’s a list of what you will need:

  • Vehicles make and model
  • Personal information for each driver (including Social Security numbers)
  • Coverages and deductibles you want.

3. Get at Least Three Quotes

Don’t sign on the dotted line without comparing quotes from AT LEAST three different insurance companies. Not three quotes on different coverage from a single company, but rather, quotes on the same coverage from three separate insurance providers.

Auto insurance rates vary from company to company, so you want to check out a few different quotes to see who will get you, not just cheap car insurance, but really cheap auto insurance.

4. Want a Discount? Ask!

Different insurers offer a variety of discounts so it’s important to ask about them, don’t just assume that these will be automatically factored into your quote.

5. Multi-policy Discount

This is when you have more than one type of policy with a single company (like homeowner's and auto for example).

6. Safety Discount

Anti-lock Brake Systems (ABS), anti-theft devices, and other popular safety features on your car may not only save your life, they may also save you on car insurance.

7. Low Mileage Discount

A lot of insurance companies will give a discount to drivers who drive less than the typical yearly average. So whether you have a short commute to work or maybe participate in a car pool, if you’re not racking up high miles, you may qualify.

8. Good Student Discount

If you have a young driver on your policy and they are scoring a “B” average or above, be sure to mention it when getting a quote.

Tip: Also ask about discounts you could get over time. For example, some companies will reward you after going a certain amount of time without a claim – offering more savings down the line.

9. Take Notes

When you are getting quotes – be sure to take notes about the specific cost of each type of coverage you are asking about. Also take into account the different discounts you may qualify for from company to company.

10. Shop Every Six

Every time your policy comes up for renewal (typically every six months) go shop around all over for really cheap auto insurance again. Even if you plan on keeping the same company, getting quotes from other insurers will give you a great bargaining chip when it comes to negotiating your rate.

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