How can I get super cheap car insurance?

You can get super cheap car insurance by comparing quotes from multiple companies, taking advantage of all possible discounts, lowering your coverage limits, and raising your deductible. Since insurers calculate rates based on many factors, the best way to find super cheap coverage is to comparison shop.

How to Get Super Cheap Car Insurance 

1. Decide how much coverage you need.

It’s usually cheapest to buy the minimum amount of insurance required by your state. But if your car is leased or financed, you will likely need to buy collision and comprehensive insurance as well.

2. Shop around for quotes.

It’s a good idea to get quotes from at least three insurers, using WalletHub’s cheap car insurance analysis as a starting point.

3. Increase your deductible.

Raising your deductible generally lowers your premium, so it’s a good idea to choose the highest deductible you can comfortably afford if you want super cheap insurance.

4. Take advantage of discounts.

Some discounts are automatically applied when you get a quote, but there are other ways to save that might not be obvious, such as discounts for taking a defensive driving course.

5. Consider usage-based insurance.

Usage-based insurance tracks policyholders’ driving habits in return for a discount, so it’s a good option if you are a consistently safe driver. If you have a short commute or rarely drive, you can also look into pay-per-mile insurance, which calculates premiums based on your exact daily or monthly mileage.

6. Focus on your long-term risk factors.

To lower your car insurance rates over time, you can focus on driving safely and improving your auto insurance score.

Besides driving records and insurance scores, insurers also take other factors into account when determining premiums, such as your ZIP code and your specific vehicle. As a result, one way to save on insurance is to purchase a car that’s inexpensive to insure. Or, a more drastic option is to move to an area with lower average car insurance rates.

For more information and additional tips, check out WalletHub’s complete guide to getting cheap car insurance.