All Auto Insurance, All The Time

When you hear the word “cheap,” you might think of poor quality, but cheap also means affordable, as in affordable car insurance. And there are plenty of avenues you can take to get quality auto coverage at an affordable price.

Getting low-cost auto insurance can be as simple as driving responsibly or tinkering with your policy to find a balance between costs and coverages. We’ll steer you in the right direction to find high quality, cheap car insurance that fits your needs and your budget.

Not only can car accidents cause harm to you and your vehicle, but they can do significant damage to your car insurance premium. Drivers involved in at-fault bodily injury or pricey property damage incidents currently average an increase of 31 percent in their car insurance rates.

There are ways to reduce the impact of an accident on your car insurance. Some car insurance providers offer accident forgiveness programs that help minimize increases in your insurance premium following an accident, so it may still be possible to find cheap car insurance after an accident.

Having car insurance is required by law in most states. If you are at fault in a car accident, the auto liability coverage required on your car insurance policy helps pay for covered losses, such as the other party’s medical bills and damage to their vehicle or other property that results from the accident. It also helps pay your legal fees, if you’re taken to court over the accident.

Your car insurance premium is the amount you pay your insurance company on a regular basis, often every month or every six months, in exchange for insurance coverage. Once you’ve paid your premium, your insurer will pay for coverages detailed in the insurance policy, like liability and collision coverage.

Every insurance company determines its rates differently, but your premium is typically based on details about you, the type of car you own and the coverages you select.

The age of 25 is a big turning point for car insurance savings. But no matter how much you save, you’re probably still paying more than you’d like. In order to find the cheapest car insurance for 25-year-olds, we created a user profile and generated rates from eight popular auto insurance companies.

• Car insurance rates for 25-year-olds
• Car insurance rates for young adults
• Navigating car insurance with your roommates
• Marriage and car insurance
• Dating and car insurance

Between the ages of 30 and 60, car insurance rates don’t fluctuate much based only on age. As you get into your late 50s and 60s, your age becomes a more important determinant of your rate. For a profile of a married couple without children drivers, Geico and Progressive offer the cheapest rates, all other metrics constant.