How to Find Cheap Online Auto Insurance that Offers Reasonable Protection

Judge auto insurance companies by (1) coverage offered, (2) customer satisfaction, and (3) financial stability. Compare quotes to reduce your rates by up to 20%.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 20, 2021

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Things to Remember...

  • Some type of insurance or proof of financial responsibility is required in almost every state
  • There are different types of auto insurance; make sure you know what coverage you need
  • Your car insurance rates can be impacted by a variety of factors including driving history and credit score

If you plan to drive in the United States, you are required to get a minimum amount of auto insurance to protect yourself and your family.

Depending on a number of factors, your auto insurance options could be prohibitively expensive. Study your options now to find cheap auto insurance online that offers reasonable protection.

A Forbes magazine article, on the insurance industry, found that the past years have seen a sharp increase in insurance rates across the nation.

According to auto insurance experts, drivers should expect this trend to continue since repair and replacement costs are becoming increasingly expensive.

Drivers need to take the time to understand their options and how to get the best coverage at the lowest price.

Enter your zip code into the FREE search box to see multiple car insurance quotes right now!

Reasonable Auto Insurance Protection

The Insurance Information Institute states that almost all states need their drivers to buy some form of mandated auto insurance or provide substantial proof of financial responsibility in case an accident occurs, where the driver is at fault.

In simple terms, car insurance is a means of protecting you and your family from extensive financial losses in case of an accident.

Most states have a minimum requirement for their drivers.

For instance, the California Department of Motor Vehicles requires minimum liability insurance of $15,000 for individual injury or death, $30,000 for injury/death of more than one individual and $5,000 for damage to property.

Financial experts suggest you should choose $100,000 for bodily injury protection per person and $300,000 per accident as reasonable levels of protection if you can afford it.

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Different Forms of Auto Insurance

An auto insurance policy is made up of several kinds of coverage. Each form of coverage is calculated separately and not all are mandatory.

The different forms of coverage that are available are:

  • Bodily injury liability – covers all expenses of treating any bodily injury to the other driver, passenger, or pedestrian involved in the accident. Bodily injury liability has a limit that is defined in your policy. If the losses exceed the limit, you become personally responsible for them
  • Property damage liability. – takes care of any repair or replacement of damaged or destructed property caused by an accident where you are at fault, including cars damaged or totaled in the accident, as well as building structures, traffic signs, sidewalks, fences etc
  • Personal injury protection (PIP) – covers medical expenses that arise from treating you and your passengers, as well as any unfortunate funeral costs
  • Collision coverage – not mandatory in state laws, but it is expected if you are financing a car purchase. As the name indicates, collision coverage pays for the repair or replacement of your car when it is involved in an accident
  • Comprehensive coverage – is an umbrella for all damages caused to your car except a collision including floods, snowstorms, hurricanes, fire, tornados, and earthquakes. It also covers you if your car is stolen, is vandalized or is dented by a flyaway golf club, among other unforeseen circumstances
  • Uninsured/underinsured motorist coverage – As the economy stumbles and people’s incomes stagnate, MSNBC finds that one out of every six drivers on the road is uninsured. This coverage protects you in the case of an accident where the uninsured or underinsured driver is at fault, as well as in cases of hit-and-run drivers
  • No-fault insurance – pays for accident-related injuries, funeral costs and property damage, irrespective of whose fault the accident is

Make sure you know the minimum requirements of your state.

Once you have decided on the forms of coverage and the amount that are necessary for your peace of mind, go online and scour the Internet to get the best possible price that gives you all the protection you need.


Calculating Auto Insurance Rates

Many factors go into calculating your auto insurance rates.

While each company has a different formula, the basic factors influencing the calculations are as follows:

  • Driving record – A pristine record indicates that you are a careful driver and therefore, a good customer for insurance companies. So drive carefully and avoid getting any citations, tickets, or points on your license. Similarly, a clean claims record also goes a long way in lowering your insurance premiums.
  • Automobile – The type of your vehicle, its make, model, color and year, as well as its crash test ratings from the Insurance Institute for Highway Safety, impact your insurance rate.
  • Location – Your location makes a huge impact on your insurance bill. If you live in a high-crime area, your insurance will cost more because of the higher likelihood of auto theft and vandalism. Similarly, urban drivers pay more since they face higher volumes of traffic every day, increasing the chances of getting into an accident.
  • Demographics – Age, gender, and marital status matter in insurance calculations. Drivers below the age of 25 invariably pay more since they are more likely to cause accidents due to high jinks and lack of experience. Women pay less than men do, and married people pay less than singles do.
  • Occupation – Since research has shown that certain professionals such as teachers, doctors, and engineers are less prone to accidents, they get better insurance rates. Retirees, unemployed persons and people working from home get lower rates since they are less likely to be on the road.
  • Credit rating – According to, insurance companies ask for credit ratings to determine financial responsibility. If you have been paying your loans in a timely fashion, your insurance bill is likely to reflect your effort.

Getting Cheap Auto Insurance Quotes Online

As you negotiate your way through the online insurance market, you are likely to get a bewildering array of options. But don’t get confused or frustrated.

Make sure you have all your requirements clearly stated. Know which forms of insurance to get and how much coverage you need.

Keep your budget at the forefront. You have to make strategic decisions to make sure that you get the right insurance at the right price.

Make sure you read all the fine print carefully before you sign on the dotted line and remember to ask for discounts.

Before sitting in front of the computer to look for auto insurance online, get all the required information in place, like:

  • Driver’s license numbers of all your household members who have to be insured
  • Driving history including details of their driving and claims history
  • Vehicle identification number (VIN) of all the cars being driven
  • Declaration page of your current policy

With this information, you can go online and get insurance quotes from a plethora of insurance companies. Just make sure that you are dealing with a legitimate entity before you sign on.

As the cliché goes, if something seems too good to be true, it probably is. So be vigilant.

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How to Lower Your Auto Insurance Rates

As people become careful about spending money, they are constantly looking for ways to save some dollars.

While auto insurance cannot be eliminated if you plan to drive legally, you can find ways to lower this necessary expense.

One of the easiest ways of reducing your premium is to raise the deductible, which is the amount you have to pay in case of an auto accident before the insurance payments kick in.

As long as you are financially able to make the payment in case of an accident, this is a good money-saving step.

Drive carefully. This seems like a no-brainer but driving with care will keep your family safe besides substantially reducing your insurance bill.

If you are looking for cheap online auto insurance that provides adequate protection, you will find a multitude of choices.

If you are looking for a reasonably priced auto insurance policy click here to type in your ZIP code into our FREE quote finder!

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