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UPDATED: Mar 13, 2020
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When shopping for auto insurance the goal of any driver is to find affordable car insurance however the definition of affordable car insurance will vary depending on who you ask. For some drivers it means finding coverage with reasonable premiums while others may define affordable car insurance as any policy that meets their budget.
What should I look for in a car insurance policy?
The most important part of auto insurance is having sufficient coverage to meet your needs in an accident. Although states have minimum car insurance requirements buying a policy simply to conform with state law will often leave you underinsured. The purpose of state minimum car insurance requirements is to provide some liability protection to all drivers however the responsibility is on you to find sufficient coverage which meets your unique needs. Most drivers purchase a full coverage car insurance policy which consists of:
- Liability Insurance
- Comprehensive Coverage
- Collision Coverage
Owners of new vehicles also tend to purchase GAP insurance and many motorists even opt for personal injury protection, medical payments coverage and/or uninsured motorist coverage. Some states require additional types of car insurance outside of just bodily injury liability insurance (such as medical payments and uninsured motorist coverage) but no matter where you live you should always consider purchasing more than the state minimum required policy coverage.
Before selecting a car insurance policy its highly recommend to understand the different types of car insurance and choose a policy which provides the security your unique profile requires.
How much is car insurance per month?
Car insurance premiums generally run anywhere from $100 to $200 a month for most good drivers however every driver has a unique risk factor which makes car insurance comparison very important to finding the most affordable car insurance rates. Good drivers typically have the most affordable car insurance rates with young drivers and high risk drivers (such as those convicted of a DUI) having more limited options and pay higher premiums.
With the many car insurance discounts, policy coverage options and deductibles available in the marketplace its possible to get vastly different quotes from providers so shopping around and comparing car insurance companies is the best method for finding the most affordable car insurance rates.
Who has the most affordable car insurance?
This depends on your profile. For some drivers State Farm will be the most affordable car insurance company, for others it may be Geico and for others it may be someone else. There is no company which has been crowned the most affordable car insurance company for all drivers so you need to compare auto insurance quotes from at least a handful of providers to find the most affordable auto insurance coverage for you.
Should I buy the cheapest car insurance?
Affordable and cheap are two different words and when buying car insurance it’s critical to understand that cheap car insurance is great – if you know what you’re looking for. Without understanding car insurance and basing your policy selection just on the cost of car insurance it’s quite likely you will end up with very limited coverage. Affordable car insurance however stands for finding a policy that balances the cost of premiums with the level of coverage you need. It’s perfectly ok to look for cheap car insurance quotes however remember that anything in life that sounds too good to be true usually is.
Who has affordable car insurance for young drivers?
Young drivers certainly pose a higher risk to car insurance companies however they are not uninsurable like many mature drivers who have a history of DUI convictions or traffic related crimes. Many car insurance companies offer affordable car insurance for young drivers which you can learn about in our section on car insurance for young drivers here.
Get started with your car insurance comparison search today – enter your ZIP code above to find a list of local car insurance companies and compare FREE auto insurance quotes online.