Buy Cheap Auto Insurance Online

Make your life easier by purchasing cheap auto insurance deals online!

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Road accidents happen all the time. And more times than often, there are several expenses that come with accidents: cars and medical injuries.

If you’ve also met with an accident, not only did you damage your car but also someone else’s vehicle or property. And maybe there were some injuries too. Maybe you were at fault, maybe you weren’t.

If you don’t have auto insurance, be prepared to pay a hefty sum in compensation, and you may also be charged for driving it illegally. Many states don’t let you drive a yard without insurance, so if you’re caught without insurance, you could also face legal consequences and your license could be confiscated by the state.

But if you do have insurance, maybe just let the insurance company handle it. How?

What is Auto Insurance?

Auto insurance is a type of insurance that provides protection to your vehicle. Whether it be a car or a bike, you can easily get it insured.

Auto insurance is typically used to cushion the blow of an accident or mishap that you’re not able to afford financially. Your insurance company will cover the cost.

Naturally when people get their vehicles insured, they pay premiums on a monthly or annual basis to cover the cost. Then when the time comes, the insurance company provides protection by mitigating the expense otherwise caused by an accident.

There are many factors that decide whether you should be given an insurance plan or not, factors such as your age, health, years of driving experience, history of driving records and other relevant information that is needed.

Cheap Full Coverage Auto Insurance

Full coverage means that your insurance company gives full protection to you and the car and bears every expense that comes with it.

The policy that is outlined for you during the start naturally covers the following losses when you pay your premiums regularly. These coverages include:

  • Damage to your property: If your car is stolen and you’re not able to retrieve it back, or if there have been vehicle damages due to a road accident or some other physical harm caused to your car.
  • Legal requirement: Any legal action that must be taken against someone who has intentionally or unintentionally caused harm to your property will also be covered in the policy.
  • Liability: Damage that you’ve caused to someone else’s property along with yours. Also known as collision coverage. All of this is covered in a cheap liability auto insurance package which covers your expenses when you’re at fault in a road accident.
  • Medical expenses: If there has been an injury or hospital bills need to be paid that have been caused by an accident, or if there has been a temporary loss of wages because of the accident will also be covered in the auto insurance policy.
  • Comprehensive coverage: This is if your car is damaged by a tree or a concrete pavement and you’re at fault.

Auto insurance policy covers the damage done to your car either by you, or a family member or even a distant friend who was driving your car with your consent.

A personal auto insurance guarantees protection to the driver himself, whether he is driving his own car, or someone else’s- with their permission of course. But you can’t use your car for commercial purposes; only to be used for your own personal driving. We’ll talk about commercial insurance later in this article.

Now that we know what auto insurance is and how it works, it is important to discuss all cheap auto insurance plans and know what matters while being light on the pocket.

Cheap Auto Insurance

Looking for a cheap auto insurance may be your new task of the day, you have just gotten done with paying a hefty amount for your car which is why you’re now looking for cheap options.

We get that.

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Here are some ways that you can easily get a cheap auto insurance rate.

There is a lot of pressure on you and how good of a driver you are. For instance, if you have a clean driving record with accidents at all, and you haven’t ever been charged for drunk driving- chances are you will pay very minimum premiums on your policy.

People who have had medical conditions or are a little older may pay more.

If you’ve ever done a driving course, chances are you will pay a lower amount of premiums.

Your mileage plays a huge role! For instance if you drive your car for 3000 miles a day, chances are you will get a costly car insurance plan. If you drive less than 1000 miles a day you can pay less. What smart people do is use means of mass transit to avoid driving their personal car so much. This is one great technique of cutting down the cost of your auto insurance.

Increasing deductibles leads to paying very low premiums overall. Deductibles are the amount of coverage that you can pay from your own pocket before the insurance company steps in. These usually range from $250-$1000 depending upon how much you can afford to contribute to the loss. If your deductible amount is high, chances are you will pay a very low rate of premium.

You might also NOT need full coverage, and just for the actual damage caused to your vehicle. Asking for miscellaneous coverage in the shape of car rental or roadside coverage you’re actually just making your premiums go VERY high. Think about it, what parts do you actually need covered? And then just settle on paying for those only.

Cheap Auto Insurance in various States

1 Michigan $2,878
2 Louisiana $2,389
3 Florida $2,239
4 Texas $2,050
5 California $1,968
6 Georgia $1,936
7 DC $1,928
8 Rhode Island $1,918
9 South Carolina $1,759
10 Delaware $1,757
11 Colorado $1,741
12 Montana $1,693
13 Connecticut $1,688
14 Wyoming $1,684
15 Kentucky $1,621
16 Arkansas $1,620
17 Mississippi $1,580
18 Nevada $1,570
19 New Jersey $1,558
20 Arizona $1,557
21 New Mexico $1,479
22 Oklahoma $1,468
23 Maryland $1,467
24 Minnesota $1,453
25 West Virginia $1,451
26 Alabama $1,449
27 Illinois $1,434
28 Kansas $1,432
29 Washington $1,426
30 Missouri $1,411
31 South Dakota $1,394
32 Nebraska $1,365
33 North Carolina $1,359
34 Tennessee $1,357
35 Alaska $1,337
36 Oregon $1,327
37 New York $1,320
38 Utah $1,300
39 Hawaii $1,295
40 Vermont $1,294
41 Massachusetts $1,275
42 Pennsylvania $1,270
43 Virginia $1,270
44 North Dakota $1,229
45 Indiana $1,213
46 Iowa $1,123
47 Idaho $1,062
48 Wisconsin $1,049
49 Ohio $1,034
50 New Hampshire $985
51 Maine $912

Note: Sample rates have been extracted online, courtesy of Bankrate.

The cheapest auto insurance rates are in states like Maine, New Hampshire, Ohio etc. as the table mentions. States like Michigan, Florida, Texas are very expensive.

Buy Cheap Auto Insurance Online

Most people prefer shopping online, even for insurance policies. And you can get the cheapest rates online if you search for them on the internet.

There are several companies in different states that are selling auto insurance on very cheap rates, and you can visit their websites to know more about their policies. Here is a list related to each state and which companies have the most cheap rates for an average American.

Most Cheap Auto Insurance in Florida

Here are the cheapest full coverage auto insurance rates in Florida:

Rank Insurer Car insurance quote
1 GEICO $984
2 State Farm $1,063
3 Liberty Mutual $1,278
4 Direct General $1,915

Cheap Auto Insurance Dallas

Rank Auto Insurance Company Average Annual Rate
1 GEICO $1,288
2 Progressive $1,382
3 Texas Farm Bureau $1,464
4 State Farm $1,620
5 Mercury $1,896

Cheap Auto Insurance Texas

Rank Company Average annual premium
1 Fred Loya Insurance $545
2 State Farm $617
3 Chubb $753
4 GEICO $940
5 Dairyland $959

Cheap Auto Insurance in GA (Georgia)

Rank Company Average annual rate
1 Georgia Farm Bureau $512
2 GEICO $784
3 Progressive $942
4 Allstate $1,361

Cheap Auto Insurance in Michigan

Rank Company Average annual cost
1 Auto-Owners Insurance Co. $1,485
2 Frankenmuth Insurance $1,556
3 Progressive $1,729
4 State Farm $2,909

Cheap Auto Insurance in California

Rank Insurer Car insurance quote
1 GEICO $376
2 CSAA $454
3 Progressive $485
4 Mercury $527
5 Auto Club $570
6 State Farm $705
7 Allstate $713
8 Farmers $763

Cheap Auto Insurance Omaha NE (Nebraska)

Rank Insurer Annual insurance premium
1 Nebraska Farm Bureau $344
2 State Farm $389
3 American Family $509
4 Nationwide $595
5 Progressive $611
6 Allstate $682

Cheap Auto Insurance NJ (New Jersey)

Rank Insurer Car insurance quote
1 State Farm $596
2 GEICO $629
3 New Jersey Manufacturers $918
4 Progressive $1,075

Cheap Auto Insurance Toledo Ohio

Rank Insurer Premium
1 Westfield $361
2 GEICO $419
3 Erie $463
4 State Farm $481
5 Grange Mutual $503
6 Progressive $698
7 Allstate $774
8 Nationwide $792

Cheap Auto Insurance Spartanburg SC (South Carolina)

Rank Insurer Average annual premium
1 Auto-Owners Insurance Co $567
2 GEICO $687
3 State Farm $688
4 Southern Farm Bureau $858
5 Progressive $878

Cheap Auto Insurance Colorado

Rank Company Annual premium
1 State Farm $348
2 Progressive $806
3 Nationwide $991
4 GEICO $1,096

Cheap Auto Insurance Tennessee

Rank Company Average annual rate
1 Tennessee Farmers $407
2 Erie $444
3 State Farm $459
4 GEICO $526
5 Progressive $599
6 Nationwide $771

Note: All these quotes have been extracted online, courtesy of Value Penguin.

Conclusion

Deciding whether you need full coverage or not should really reflect on your needs; if you’re the only one who drives and you’re a careful driver, chances are low that you will be met with accidents. In such a case don’t burden yourself by paying a high amount of premiums because a full coverage policy may seem attractive to you.

Whatever policy you’re buying, make sure you read exactly what is covered in your policy and what isn’t. Even if you buy a half insurance policy, you will still be covered for liability and medical expenses; so if you don’t need full coverage, don’t opt for it!

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John Otero

John Otero

John Otero is an industry practitioner with more than 15 years of experience in the insurance industry. He has held various senior management roles both in the insurance companies and insurance brokers during this span of time. He began his insurance career in 2004 as an office assistant at an agency in her hometown of Duluth, MN. He got licensed as a producer while working at that agency and progressed to serve as an office manager. Working in the agency is how he fell in love with the industry. He saw firsthand the good that insurance consumers experienced by having the proper protection. John has diverse experience in corporate & consumer insurance services, across a range of vocations. His specialties include Major Corporate risk management and insurance programs, and Financial Lines He has been instrumental in making his firm as one of the leading organizations in the country in generating sustainable rapid growth of the company while maintaining service excellence to clients.

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