Dirt Cheap Car Insurance

Are you on a tight budget and in need of dirt cheap car insurance? Many drivers are seeking ways to reduce their car insurance expenses without compromising on coverage and protection. Fortunately, there are several steps you can take that will allow you to get dirt cheap auto insurance while ensuring you have sufficient coverage.

How To Find Dirt Cheap Car Insurance

1. Shop around and compare policies from different providers – To find affordable coverage that suits your needs, begin by compare quotes from multiple companies online. This approach allows you to uncover the best rates available.
2. Increase your deductible – Raising your deductible can lead to lower monthly premiums but may entail higher out-of-pocket expenses in the event of a claim. For instance, opting for a $1,000 deductible can result in approximately 10% savings on your overall premium cost.
3. Qualify for discounts – Some auto insurers offer discounts based on factors such as good credit scores, academic achievement, military service, or even being a teacher. Strive to qualify for two or more discounts to secure a dirt cheap auto insurance policy. 
4. Opt for paperless billing & pay in full – Many companies provide discounted rates when customers choose paperless billing options over traditional billing methods, resulting in yearly savings.

Let’s go deeper into each of these topics.

Comparison Shopping For The Lowest Rates

Car insurance rates are determined based on a variety of factors, including your age, driving record, credit history, and the location where you live. By taking the time to comparison shop for the lowest rates available, consumers can save significant amounts of money. If you need dirt cheap car insurance, then you should review, at the minimum, ten quotes. 

Start your search for dirt cheap auto insurance online, as some providers offer exclusive discounts not accessible through agents or brokers. There are some direct-to-consumer insurers like Esurance and 21st Century that have dirt cheap rates for eligible drivers. 

When searching for dirt cheap insurance, compare rates from both national insurers like Progressive and regional companies like Erie Insurance. If you have a military connection or are a veteran, explore USAA Insurance, known for its very cheap rates with low deposits and exceptional customer service.

Quick Tip For Drivers Looking For Dirt Cheap Car Insurance – When shopping around for very cheap car insurance rates, inquire about any ongoing offers or promotions with different insurers. Don’t hesitate to ask if a company will match a competitor’s rate.  

Increasing Your Deductible

Increasing the amount of your deductible is one example of a simple yet important step you can take to reduce your overall car insurance costs. A deductible is what you need to pay out-of-pocket before your insurer begins covering most of the expenses incurred from an insured event, such as an accident or vehicle theft.

While opting for a higher deductible means taking on more risk if something unfortunate happens, it can also lead to significant savings in premium costs. Many companies offer discounts for customers who choose higher deductibles, ranging from 5% off up to 20%. Those savings can add up over time and put thousands back in your pocket. 

Qualifying For Discounts

Car insurers offer a range of discounts that can reduce your insurance premiums a lot. These include discounts for good driving records, vehicle age, policyholder affiliations, defensive driving courses, and more. Let’s take a look at discounts that can help you save a lot of money on your auto insurance premium:

Opting For Paperless Billing 

When it comes to dirt cheap car insurance, one popular money-saving tip is opting for paperless billing. This option can provide drivers with significant discounts on their premiums through digital billing methods.

Automatically billing insurers online also means that payments are never late. It’s estimated that going paperless could save a driver around 5%, which makes this option totally worth it. 

For the insurer, setting up automatic paperless billing is a big plus. There are no missed payments due to the automated withdrawal of funds from bank accounts or credit cards. Many companies offer lower rates as an incentive for customers who choose these options. Be sure to ask your provider about every discount that is available, which will help you get a dirt cheap car insurance policy. 

Risks Of Dirt Cheap Auto Insurance

Though dirt cheap car insurance can be tempting, it is important to understand the potential risks involved and weigh them against your personal needs before making a purchasing decision.

Limited Coverage Options

Getting dirt cheap car insurance often has risks associated with it. The main risk is these types of policies typically come with limited coverage options. This can mean inadequate protection in the case of an accident or incident. For example, a minimum liability policy may not provide enough coverage for repairs and medical expenses due to an accident, leaving you to pay the costs out-of-pocket.

Also, optional coverage, such as collision and comprehensive, are usually excluded from dirt cheap auto insurance policies. This means your vehicle will have “bare bones” protection in the event you get into an accident.  

Other types of optional coverages, like uninsured motorists and underinsured motorists, might also not be included in a dirt cheap insurance policy. This can leave you at risk without proper protection against other drivers who are not covered.  

This is why it is important for consumers to carefully consider their needs before buying a dirt cheap policy, prioritizing adequate protection over cost savings when necessary.

Finding The Right Balance Between Cost And Coverage – It is necessary to evaluate personal needs and budget requirements before selecting a dirt cheap car insurance policy and ensure a full understanding of the coverage limits and exclusions.

Consider Your Personal Needs And Budget Before Choosing A Policy

Choosing the right car insurance policy can seem like a daunting task. It is important to weigh all of your options carefully and assess your personal needs and budget before choosing an insurance plan that fits your lifestyle and driving habits.

Factors such as the value of your vehicle, age eligibility requirements, location-based rates, miles driven annually, and policies specific to each car model should be taken into consideration when looking for affordable coverage.

Comprehensive coverage is designed to protect you from personal liabilities resulting from accidents or thefts, while liability coverage protects other parties involved in an accident.

Young adults typically pay higher premiums because they statistically tend to get more tickets and drive faster than older people. The good news is there are several providers offering affordable, budget-friendly policies specifically aimed at young drivers. However, it’s really tough for drivers under 25 to qualify for dirt cheap car insurance. 

Companies That Offer Dirt Cheap Car Insurance

There are several insurers that offer very cheap car insurance under $50 a month, but you need to get quotes from as many companies as possible to see who has the best rate for the coverage you’re looking for. Here are a few of the best dirt cheap auto insurance providers:

• Progressive
• Esurance
• 21st Century
• USAA Insurance
• Geico
• Farmers
• Mercury
• Nationwide
• Liberty Mutual
• AAA Insurance
• Erie
• Metromile  
• Root

Usage-Based Insurers Can Help You Get Dirt Cheap Car Insurance 

In recent years, insurers like Metromile have entered the marketplace and offer rates based on the miles a person actually drives. If you drive less than 500 miles a month and are a safe driver, you can qualify for dirt cheap car insurance. In general, the less you drive, the less you will pay. 

There are several insurers that currently offer some type of usage-based discounted programs including:  

• Metromile
• AAA Drive
• Allstate Drivewise
• Geico DriveEasy
• Esurance DriveSense
• Farmers Signal
• The Hartford TrueLane 
• Liberty Mutual RightTrack
• Mercury Go 
• National General Low Mileage Program
• Nationwide SmartRide  

With most usage-based programs, the premiums you will be charged depend on several factors, including how many miles you drive and how risky of a driver you are. Your driving speed and braking will be monitored in addition to other things. If you are a boring, safe driver, you can get dirt cheap car insurance with a usage-based insurance policy.  

Final Thoughts About Dirt Cheap Auto Insurance

Finding dirt cheap car insurance is possible if you are a safe driver, buy the right policy and take advantage of multiple discounts. However, it’s important to search for the right balance between cost and coverage. 

If you buy a dirt cheap “bare bones” policy, chances are you will not be adequately covered if you get into an accident. There are several factors to consider when choosing a policy, such as coverage limits, exclusions, payment options, and discounts.

Compare at least ten quotes that will increase your chances of finding a dirt cheap car insurance policy. Start comparing free online quotes. Enter your zip code and fill out an application in about five minutes. Get the dirt cheap rates you need today and save more.