$20 Down Payment Car Insurance

Do you need affordable car insurance and have little money available for the first payment? If this sounds like your situation, a $20 down payment car insurance option may help you start coverage with less money upfront, depending on your state, insurer, driver profile, and payment eligibility. With low down-payment plans, qualified drivers may be able to get on the road with legal coverage and lower initial out-of-pocket expenses.

Most people just don’t know where or how to compare low-deposit auto insurance deals. If this applies to you, then check out these helpful tips and compare side-by-side online quotes with the lowest down payment options available to you.

You can compare free auto insurance quotes to look for a suitable provider with low-deposit policies that fulfill your coverage requirements. By comparing multiple plans, you may be able to find car insurance coverage at a lower upfront cost, including options advertised as $20 down payment car insurance for eligible drivers.

Important payment note: “$20 down,” “no deposit,” and “zero down” wording usually refers to a low initial payment structure, not free insurance. In most cases, your coverage will not become active until the insurer accepts the first required payment.

CitizensInsurance.net is an independent insurance information and comparison website. Availability, rates, payment plans, deposits, discounts, and coverage options vary by insurer, state, and driver profile.

Why Get a Low Down Payment Car Insurance Policy?

Before your insurance policy takes effect, your insurance carrier will most likely require you to make an initial payment, which may include the first installment, a deposit, policy fees, or other approved charges. However, some people don’t even have enough for a $40 deposit. Many policies require a down payment of $100 or more, making coverage difficult for some consumers low on cash.

Some people have a limited budget to cover their insurance premiums, and others don’t have any savings at all. Many people need both cheap car insurance and the lowest deposit possible. Any of these situations can be a real financial challenge, and therefore people find it necessary to look for the cheapest car insurance policy possible. Getting a $20 down payment car insurance policy, when available, can help people get covered even when they are low on funds.

Low auto insurance deposits allow cash-strapped people to get their vehicles legally covered without spending as much money upfront. The good news is that some insurers and agencies may advertise $20 down payment auto insurance policies for qualified applicants. Not only can this amount fit many people’s budgets, but it may also represent less than the cost of a tank of gas.

Even when several insurance carriers advertise low deposit policies as low as $20 for qualified drivers, it’s important to note that not all drivers will qualify for $20 deposits and many will be required to pay more.

Low deposit auto coverage may still be an option for drivers with imperfect credit, but they will probably not qualify for $20 down. In states where credit-based insurance scoring is permitted, drivers with poor credit may be viewed as a higher risk by some carriers and may be required to pay a larger initial amount.

Tips to Get No Money Down Auto Insurance

Compare no-money-down car insurance options if you are low on cash but need cheap car insurance. It may be a useful option if you need to insure your car right away, but you must keep in mind that you won’t get these plans with every insurance carrier.

Drivers who are regarded as lower risk and have a strong payment, credit, or insurance history are usually more likely to qualify for $20 down auto insurance. No deposit coverage is also not available or advertised in every state. In addition, you might not qualify if you are considered a high-risk driver due to a low credit score, a poor driving record, a lapse in coverage, or a required filing such as an SR-22.

Whether you need a $20 down payment car insurance policy or full coverage for two or more vehicles, one convenient place to compare car insurance is online. Applying for several quotes from auto insurance companies online can help you find low-deposit car insurance options. You can also use your phone to apply for low-deposit insurance online and, when approved, purchase your insurance policy directly.

One important tip is to compare multiple auto insurance rates, not just one quote. When searching for low deposit coverage, make sure you use a reputable national or regional car insurance carrier with a solid financial rating and clear payment terms. This makes it easier to get quality coverage and may also help you save time if you need to file a claim after an accident. Some well-known direct carriers and regional insurers may offer flexible payment plans, low-down-payment plans, or zero-separate-deposit options in select areas, but availability should always be verified directly before you buy.

How do Low Down Payment Plans Work?

Look for top-rated insurers with cheap down payment car insurance in addition to low monthly payments that fit your budget. Some policies have low upfront deposit requirements, from $20 down, but that may increase the monthly installment payments or total installment cost.

For example, if you have a policy that is $1,650 per year with a $20 deposit, your first month’s payment, including the deposit, could be $157.50 in a simple illustration. Then the remaining premium owed would be $1,492.50, divided into eleven payments of $135.68. However, if you paid a premium deposit of $200, the first month’s payment could total $337.50, and the remaining eleven payments would be $119.32. For those cash-strapped drivers, putting down $200 may not be possible, and they may need the lowest deposit option available, such as $20 down. This example is only an illustration, not a quote or guarantee.

Payment option	What it may mean	What to check before buying
$20 down payment car insurance	A very low initial payment for eligible drivers	Whether the first monthly payment, fees, or deposit are included
No deposit car insurance	No separate deposit beyond the first required payment	Whether the policy starts only after payment approval
Zero down car insurance	Often a marketing phrase for low upfront billing	Whether it is actually available in your state and with your driver profile
Monthly payment plan	The premium is split into installments	Whether installment fees make the total cost higher

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Getting a $20 Down Auto Insurance Policy Online

You can compare affordable $20 deposit auto insurance quotes quickly online. When comparing direct quotes, you may be able to find a policy with low deposits from $20 down, with the right coverage at a low price, if you qualify. Let’s check a few things you need to have ready when applying for a quote online:

• Information about the driver, including name and current address
• Age of the driver
• The vehicle being insured, including model, type, and VIN number
• Driver’s license number
• Other drivers that will be added to the policy
• Your current insurer

You can compare affordable quotes online by entering your ZIP code in our free online tool. You can complete a quote application in about four to five minutes. Then, you can comparison shop for cheaper rates, along with low deposit car insurance plans that may be available from $20 down.

Compare $20 Down Payment Car Insurance Quotes

If you are currently in a temporarily difficult financial situation, getting a low deposit auto insurance policy could be a helpful option to get your automobile covered. If you qualify for a low-down-payment auto insurance policy from $20 down, that could reduce the amount you pay at the start of your policy.

Comparing auto insurance quotes online has considerable advantages. You need to set up your policy by selecting the type of auto insurance that meets your needs, the coverage limits you require, and the best deposit and payment option for you. In addition, the choice of insurance provider should be based on several factors, including the financial rating of the company, the policy price, the down payment required, and the total cost over the policy term. Remember, there is usually no such thing as truly free car insurance. You will normally be required to make the first approved payment for your policy to become legally active.

How to Get the Best $20 Down Payment Auto Insurance

No matter the state you live in, if you need to spend as little as possible on car insurance coverage, start looking for dirt cheap car insurance policies with low down payments online. You can easily compare the prices of regional and national providers through the Internet. This way, you can look for no-deposit policies with the coverage that fits your needs. You can also determine which insurers offer the lowest rates you can buy. Still, to get lower rates, there are some things you could change. This includes:

• Consider increasing your deductible only if you can afford the higher out-of-pocket cost after a claim
• Avoid overlapping coverage
• Get adequate coverage limits for your situation
• Park your vehicle in a garage when possible
• Maintain a strong credit or insurance score where this factor is legally allowed
• Take advantage of available discounts
• Drive a used car that is less expensive to insure
• Maintain uninterrupted coverage for three years or more when possible
• Keep your credit profile in good standing where credit-based insurance scoring is permitted
• Maintain a clean driving record
• Choose minimum liability coverage only if it meets your legal requirements and risk tolerance

It may be more possible to get a $20 down payment auto insurance option in some states or with some insurers than others. For example, you could compare Florida no down payment auto insurance options if you meet basic eligibility requirements and the insurer offers low-deposit billing in your area.

The Car you Drive will Affect your Down Payment

The make and model of your car, as well as the type of automobile you need to insure, will affect the down payment amount. So, the auto insurance deposit that you pay upfront for an expensive vehicle may be higher.

For example, you may have a Corvette sports car and want to cover it with no deposit auto insurance. High-performance cars can reach high speeds and may cost more to repair or replace. Many insurers know that these characteristics may increase claim severity or premium cost. A serious accident can also cost far more than minimum liability limits cover. Therefore, an insurance carrier may require a larger initial payment or higher premium for a higher-risk vehicle.

Providers calculate many risk factors, including the costs of repair and replacement of the vehicle. There is little chance that new expensive cars will be covered by $20 down payment car insurance policies. Those with a new $65,000 BMW will probably find it difficult to get a $20 down payment car insurance option. They should know that, unfortunately, it is often difficult to get inexpensive coverage for that vehicle.

Credit Score is Critical to Getting $20 Down Payment Car Insurance Coverage

In many states, insurance companies may consider a credit-based insurance score when pricing auto insurance, although the rules vary by state and some states restrict or prohibit this practice. People who wisely manage their finances may receive better payment options from some insurers. For many consumers with past financial problems, credit can significantly affect their chances of getting auto insurance with low monthly premiums where this factor is legally allowed.

A good credit profile may not only help you qualify for $20 deposit insurance coverage, but also other valuable things like low-interest auto loans. You will likely need a strong credit or insurance profile if you want to be eligible for a $20 down payment auto insurance policy. If you haven’t reached this point yet, you can still compare quotes, but you may need to focus on improving your credit and payment history over time to qualify for a lower down payment.

Many other Factors Influence the Down Payment Amount

When an insurer sells a policy, it is assuming the risks that it entails, based on the expected driving behavior and payment reliability of the insured. So drivers with a used Toyota Corolla who drive only a few miles per month may be more likely to get low-deposit coverage than drivers with a newer, more expensive, or higher-risk vehicle.

The type of insurance the client needs will influence the deposit amount. It’s usually easier to get a $20 down payment car insurance policy if you purchase a liability-only plan. It is mandatory to have liability insurance or another state-approved proof of financial responsibility to drive on public roads legally in most states. In some states, depending on the insurance company, you may be able to purchase state minimum required coverage with a very low initial payment. However, you should be aware that this involves limited coverage and should represent only the initial step in covering your vehicle. Basic liability-only policies like these could leave you financially exposed in the event of a serious accident.

Those drivers who drive recklessly, are required to file an SR-22, or have a driving history of multiple serious violations will usually be charged a higher premium amount in advance. However, drivers who have had car coverage without gaps for a certain period may qualify for lower down payments.

Instant Auto Insurance with No Down Payment

You could receive instant auto insurance with no down payment quotes from reputable companies, but the policy still usually requires an approved first payment before coverage begins. Feel free to evaluate plenty of options that meet your particular auto coverage needs in your search for affordable quotes. To do this, you just have to submit your application online.

Comparing quotes online can make finding the right payment option for your financial situation more straightforward. Many car insurance providers offer monthly payment plans, although fees, deposits, and eligibility rules vary.

A low-deposit plan could cut down on your upfront auto insurance cost and leave some money available for other necessary expenses, like gas or a car wash. Remember, only drivers who meet specific criteria will be eligible for a $20 down payment car insurance option. If you are a driver with a history of driving infractions or poor credit, you will probably have to pay a higher down payment, often $100 or higher. Often, insurers are cautious with clients looking for very low upfront coverage because missed payments, cancellations, or false information can increase risk. If you are a higher-risk motorist, you probably won’t find cheap car insurance under $50. However, you could still do extensive research to find the most affordable car coverage based on your risk profile.

Is Zero Down Payment Auto Insurance A Real Option?

Insurers and agencies sometimes use marketing language that can make a policy sound free at the start. Meanwhile, insurers focus on clients renewing the insurance policy year after year and being able to pay for coverage without delay. A down payment or first installment is a requirement for most auto insurance providers. A truly free car insurance policy does not exist. Do not believe it if someone tells you otherwise without explaining the payment terms.

Even if a $0 down payment car insurance policy is legal and available in your state, your policy will only take effect once you satisfy the insurer’s required first payment terms. This is because insurers won’t risk covering you if they don’t receive the required payment approval first.

If someone tells you they offer free car insurance, you should read the details carefully. It can be misleading when a policy is described as no-deposit coverage, because you still need to make a payment before your policy goes into effect. When you get a zero deposit auto insurance policy, the first month’s premium payment may, in fact, act as the initial amount needed to activate coverage.

You shouldn’t stop looking for the best policy with the lowest down payment possible. Several carriers and agencies may advertise $20 deposit car insurance deals, which is the next best thing to zero down coverage for eligible drivers. Here are some factors that insurers may consider when determining if you qualify for this type of deal:

• Being 25 years of age or older
• Having an excellent driving record
• Having a strong credit or insurance score where permitted by state law
• Getting a vehicle that is cheap to insure

Find Providers that Offer $20 Down Car Insurance Coverage

Always compare rates and plans from multiple providers when searching for the cheapest auto insurance with the lowest deposit requirements. First, try to find a provider that specializes in low down payment insurance or offers policies with a very low initial payment, possibly from just $20 for qualified drivers.

If a driver is considered safe and not prone to accidents, they are more likely to receive incentives from their insurance provider, like coverage with a low down payment. Conversely, the company will charge a higher deposit to drivers with a higher risk level.

Insurers that Offer a $20 Down Payment Auto Insurance

As discussed previously, only some carriers, agencies, or comparison platforms advertise $20 down car insurance. Availability can change by state, driver, policy type, and billing plan. Here are several insurance companies or insurance brands that shoppers often compare when looking for flexible payment options, but none should be treated as a guaranteed $20 down provider in every state:

• Progressive Insurance
• State Farm
• Kemper
• 21st Century
• USAA
• Farm Bureau
• Esurance
• Erie
• Auto-Owners
• Travelers

Our top two picks to compare for low down payment car insurance are Progressive and State Farm because they are large, widely known insurers. Progressive, in particular, is often associated with flexible payment options, but your actual deposit and monthly payment will depend on your quote, state, and eligibility.

States Where Low-Deposit Car Insurance May Be Available

No down payment auto insurance and low-deposit auto insurance are advertised in some parts of the United States. However, online lists of “allowed states” can be oversimplified because state insurance rules, insurer billing practices, and underwriting eligibility can change. You should verify availability directly with the insurer or your state insurance department before relying on any low-deposit offer.

Drivers often search for low-deposit or no-deposit car insurance options in states such as:

• Arizona
• California
• Florida
• New York
• Georgia
• Oklahoma
• Washington

California and other large insurance markets may have many insurers competing for customers, but that does not mean every driver can buy a policy for $20 down. Always compare the full premium, the first required payment, installment fees, cancellation rules, and coverage limits.

Available Payment Options for Low Deposit Auto Insurance Policies

Policyholders can benefit from installment plans if they cannot afford to pay the full premium in a single payment upfront. These programs allow you to pay monthly instead of all at once. Insurance providers offer these plans before you buy the policy. However, in most cases, you need to pay the first installment, and sometimes an initial deposit or policy fee, to activate your policy.

Insurers are more flexible with payment options now than ever. If you qualify for a zero-down auto insurance policy, you will still need to make the required first payment, and then your policy may become active once approved. Most carriers offer:

• Full premium payment in a lump sum
• Payments every six months in two installments
• Quarterly payments for some six and twelve-month policies
• Monthly payments, which are often the best option for drivers who need a lower upfront cost

You have several recurring payment options to make your initial deposit and installment payments. An advantage of getting a direct auto insurance policy is the availability of online payments. You can use your smartphone to make a payment in seconds or set up a recurring payment option. Some common payment methods may include:

• Money orders
• Checks
• PayPal, if accepted by the insurer or agency
• Credit or debit cards
• Electronic bank transfers or automatic withdrawals

Convenient Auto-Payment Plans

Many carriers offer policies and the option to pay monthly. Conveniently, these policies are often accompanied by automatic payment schedules. If you need a policy with the lowest possible deposit, you may choose to pay your premium in monthly installments.

The amount of your monthly premium may be automatically charged to your debit or credit card or deducted from your bank account regularly on the same day every month. Remember that you can control the payment method and often choose the date for your recurring policy payment.

If you need help setting up an automatic payment online, call the insurer, agency, or company representative and get assistance, so you don’t miss a payment. Keep in mind that if you miss a payment, your insurer could cancel your policy shortly after any required notice period under state law.

Low Deposit Car Insurance for Young Drivers

There is a frequent problem that drivers under the age of 25, in particular, have to deal with. They tend to pay higher auto insurance rates and may also pay high amounts for auto loans. Even worse, many young drivers can’t afford to insure their vehicles and often need help from their parents or another household member.

Young drivers are often rated as a higher-risk group because insurers may consider age, driving experience, claims history, and driving record. So, can young drivers find low-down coverage or even zero-deposit policies? It never hurts to compare, even if the odds are more difficult for this group.

After comparing enough quotes, the driver may feel ready to make the purchase. Now is the time to consider purchasing a basic policy, as the minimum amount of liability coverage required by the state would help you save money on your insurance premium. Also, lower premiums generally come with lower down payments. Thus, you may only have to pay a lower deposit on a basic auto liability policy, depending on the company and state.

Large companies often offer more payment flexibility and low-deposit programs. This is why the first thing to do should be to compare several plans from large direct providers and regional insurers. This way, you may qualify for a deposit as low as $20 if your profile meets the insurer’s requirements.

Another thing that would help you lower your initial deposit is to get a cheap car to insure. The initial deposit for a Ford Focus with ten years of operation will usually be lower than if you need to insure a new Corvette. Those who own older used cars will often pay lower deposits.

No Down Payment Car Insurance for Seniors

Drivers between the ages of 55 and 65 may qualify for lower rates or mature-driver discounts with some insurers, especially when they have a clean driving record and drive fewer miles. After age 55, some drivers may see their rates become lower, although rates can vary widely by state, vehicle, coverage, and claims history.

In addition, older drivers may stay with the same company for years, renewing the policy with the same insurer. They may also have an established payment history. This can make some insurers more inclined to offer inexpensive low-deposit car insurance to eligible senior drivers.

Cheap car insurance in PA with a low down payment is just one example of a plan that may help some senior drivers save money. Senior drivers may get lower down payments than some younger drivers when they have good records, drive fewer miles, and choose affordable vehicles. It is possible for some to qualify for a $20 down payment car insurance option in certain areas.

To start comparing auto insurance for seniors with low down payment plans, enter your zip code.

Getting Cheap Full Coverage Auto Insurance with No Down Payment

Finding comprehensive or collision auto insurance with no down payment can be difficult. These policies are usually more costly because they provide greater coverage, including the scenario where your car is totaled, stolen, or damaged by covered non-collision events. In essence, when an insurer sells a comprehensive or collision coverage policy, it assumes a greater risk, so it is usually more expensive than a liability-only policy. However, by comparing multiple policy rates, you may find low deposit plans from $20 if you can’t get full coverage insurance with no down payment.

Finding the Best Minimum Car Insurance with Low Deposit

Some agents may offer cheap $20 auto insurance quotes, but it is often more convenient and easier to get and compare quotes online. You can spend less time and energy getting faster responses through Internet methods. In just a few minutes, you can review quotes from providers that may offer $20 deposit car insurance coverage. This can help you compare your options and potentially save money.

Get familiar with The Most Important Types of Coverage:

Before considering coverage options and choosing your car insurance policy, you must know the minimum coverage required by the laws of your state. Below you can get familiar with the essential types of coverage you can get.

Liability Insurance: This coverage may help pay for injuries or property damage you cause to others in an at-fault accident, up to your policy limits. It does not usually pay to repair your own vehicle.

Comprehensive Automobile Coverage: This type of insurance protects the vehicle in case of covered damage not related to a collision. Damages due to natural disasters, vandalism, theft, fire, falling objects, and more may be covered, subject to deductibles, exclusions, and policy limits.

Collision Auto Coverage: In the event of a covered collision, this insurance may help pay to repair or replace your vehicle, subject to your deductible and policy terms.

Personal Injury Protection or PIP: This type of coverage may help cover medical expenses and certain other costs for covered people after an accident, depending on state law and policy terms.

Uninsured Motorist Coverage: If an uninsured motorist causes a car accident, this type of coverage may help cover damages and injuries suffered by the driver and passengers, depending on your state and policy.

Underinsured Motorist Coverage: In an accident involving a driver with inadequate coverage to cover the damages, this insurance may help cover medical expenses and other costs incurred by the driver or their passengers, depending on your limits and state rules.

You can learn more about auto insurance basics from consumer insurance resources and state insurance departments. In addition, you can compare direct quotes within a few clicks by entering your ZIP code below. You can start comparing right away.

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Low Down Payment Auto Insurance: Pros and Cons

Auto insurance with no down payment might be the best deal for you if your immediate cash is limited. However, consider that low deposit insurance could be more expensive during the policy life if monthly installment fees or higher payments apply. For instance, if you purchase a no deposit policy, you might pay twelve installments of $150, which equates to $1,800 per year.

You might find a provider that offers a policy with a required deposit of $200 for the first month. There is a larger upfront financial payment, but installment payments might be only $110 for the remaining 11 months of the policy. In general, the larger your deposit is, the lower your monthly installment payments may be.

Those drivers who are in financial crisis but urgently need a $20 down payment car insurance option may not be able to afford a deposit of $100 or even $50. So, to get very cheap car insurance with no deposit, they could agree to spend more money in the long run and secure legal coverage. This could be a good decision if the driver’s main goal is to start legal coverage immediately, but paying more upfront or paying the entire premium may save money if the insurer offers a paid-in-full discount.

Getting Auto Insurance with the Lowest Down Payment Online

Obtaining your auto insurance online is often an effective way of getting a policy with a low down payment. Those facing an auto insurance purchase for the first time can compare coverage with very low deposits, from $0 to $40, through several carriers or agencies on the Internet, if available. You can also meet your individual needs with a customized policy. You can add coverage to your policy, choose a payment plan that works for you based on your budget, and change your coverage limits.

Online methods are convenient. Only by using a computer or a phone connected to the Internet can you benefit from the advantages of obtaining online quotes and saving money and precious time in the process. You can explore the low deposit auto coverage options available by leveraging the convenience of online shopping.

With our website, you can get extensive information on cheap $20 down payment car insurance plans. The process is easy and quick if you want to find out which provider offers the best car insurance with low down payment. You just need to complete your online quote request by entering your ZIP code, completing the form with your personal requirements, and submitting it. Keep in mind that you may get tailored car insurance coverage options in a moment with just a few clicks.

The quote process may also connect you with a licensed insurance agent, agency, or insurer when additional help is available online.

Save Money by Comparing Quotes Online

You may already assume that contacting an agent by phone or visiting regional auto insurance offices could require precious time. However, comfortably and from anywhere, you can get online quotes in no time. You can compare quotes online almost anywhere today using your smartphone, even comfortably on a beach vacation.

You can compare direct shop rates online and save money and precious time. Compare quotes from insurers in the U.S. side by side. Every quote is non-binding until you apply, are approved, accept the terms, and make the required payment. Comparing quotes can help you make an informed decision on what company provides the best coverage at the lowest price for your situation.

Client Chronicles: Achieving More with $20 Down Payment Plans

Example Scenario: Michael’s Milestone
Michael, from Denver, CO, a recent university graduate, found that a low down payment car insurance option could be a practical match for his limited budget. This type of plan may allow a driver to start coverage without the stress of a significant initial outlay, which can be important when beginning a career journey. The affordability of this option could give someone like Michael the freedom to manage other expenses, knowing his vehicle has at least the required coverage. This sense of security may help a driver focus on professional goals, with the knowledge that insurance needs are being handled in an economically feasible way.

Frequently Asked Questions About $20 Down Payment Car Insurance

Is $20 down payment car insurance guaranteed?

No. A $20 down payment car insurance option is not guaranteed. It depends on your insurer, state, vehicle, driving record, coverage choice, payment history, and eligibility.

Does no deposit car insurance mean free insurance?

No. No deposit car insurance usually means there may be no separate deposit beyond the first required payment. Your policy normally becomes active only after the insurer accepts the first payment.

Can full coverage have a low down payment?

Sometimes, but it is usually harder than with liability-only coverage because comprehensive and collision coverage increase the insurer’s risk. Compare the first payment, monthly payments, deductibles, and total policy cost before choosing.

Final Takeaways

Locating no down payment car insurance is undoubtedly an exhausting task most of the time. If you are a safe driver with a good credit profile, own a used car, and drive responsibly, you might be able to get a no money down car insurance policy or a low-deposit option. If you are not eligible for a zero-down policy, you may qualify for a low deposit of just $20. However, you need to review the limits of your insurance budget to be able to get a policy with the right coverage for your insurance needs. Still, you may need the assistance of a licensed agent or insurer.

Applying for a $20 down payment car insurance policy has never been easier. Compare the most affordable rates with the lowest deposits in minutes. Additionally, you could meet your precise insurance needs by customizing your policy while saving time.

Get good coverage while also saving money on auto insurance coverage. To start, just enter your zip code and apply for quotes from top-rated carriers. You can compare rates with low deposits in just a few minutes and buy your policy online if you qualify and accept the terms.

Sources

1. National Association of Insurance Commissioners, Auto Insurance.
2. National Association of Insurance Commissioners, Tips for Saving on Your Auto Insurance.
3. Insurance Information Institute, What Determines the Price of My Auto Insurance Policy?.
4. Federal Trade Commission, Scams: Consumer Advice.