Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • It is estimated that approximately one out of every seven drivers in the United States does not have car insurance
  • Many drivers who find full auto insurance coverage to be unaffordable are paying for more coverage than is necessary
  • Because of the wide variation in rates, you can be quoted from different insurance companies, shopping around is a great way to find more affordable coverage
  • Adjusting your deductible is perhaps the easiest way to make your insurance coverage more affordable
  • Make sure you check out the different types of discounts that are available for each company

It is estimated that approximately one out of every seven drivers in the United States does not have car insurance. In addition to the number of uninsured motorists on roadways in states across the US, an even greater number are considered to be uninsured.

Enter your ZIP code in our FREE car insurance search tool to find affordable rates to stay insured.

How can you find an affordable auto insurance company and rates to maintain your status as a legally insured driver and minimize your financial liability?

Review Your Needs

Many drivers who find full auto insurance coverage to be unaffordable are paying for more coverage than is necessary.

It is true that additional coverage can further minimize the risk of financial liability, but meeting your state’s minimum coverage requirements is a necessity.

Consider that many states enforce their minimum auto insurance coverage requirements by imposing costly fines, revoking or suspending a driver’s license or vehicle registration and even sentencing uninsured motorists to serve jail time in some instances.

If you do not know your state’s insurance requirements, you need to take a moment to research those requirements today.

In addition to state requirements, many car lenders also require car coverage to be purchased. These requirements often differ from state requirements.

When the lender’s coverage is not purchased by the car owner, the lender may purchase a policy for you and require you to pay for it. It makes sense to buy a policy on your own, as this is typically more cost-effective for you.

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Shop for Quotes

You can walk into a shoe store and find a dozen different pairs of shoes at a dozen different prices. Then you can walk into another shoe store and find additional styles all at different prices.

Shopping for car insurance is like shopping for shoes. Each insurance company you get a quote from will offer you a different rate quote based on:

  • Your requested coverage
  • Your deductible amount selected
  • Discounts you qualify for

Because of the wide variation in rates, you can be quoted from different insurance companies, shopping around is a great way to find more affordable coverage.

Consider using a rate comparison website first, then shop for direct quotes with several different insurance companies.

A rate comparison website gives you a fast and easy way to determine which of the many car insurance companies may offer the most affordable rates based on where you live.

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Adjust Your Deductible

Once you have minimum coverages met, any additional coverage you purchase is optional. You can choose to add other types of coverage to your policy, or you can simply purchase what is required to maintain your status as a legally insured driver.

In addition to having the flexibility to choose your coverage, you also have the ability to adjust your deductible.

Adjusting your deductible is perhaps the easiest way to make your insurance coverage more affordable. You can increase your deductible for savings in your premium.

The deductible is only required to be paid when you file a claim, so it can be increased to $750, $1,000 or even higher in some cases for maximum premium savings.

Just be sure that you can afford to pay your deductible if you do have an accident.

Look for Discounts

While each insurance company may offer you a different rate for the same level of coverage and the same deductible amount, they also will each offer you a different combination of cost-saving discounts.

These discounts may include:

  • Multiple policies discount
  • Multiple vehicles discount
  • Safe driver discount
  • Good student discount

These and other discounts may vary in regards to how they are applied. For instance, one company may allow part-time college students as well as full-time college students to benefit from a good student discount.

Another company may only allow full-time college students to qualify, and a third company may allow high school students as well as college students to benefit from the discount.

Because of the variations in how these car insurance discounts are applied, you may find savings by shopping around and learning more about the different discounts offered by different auto insurance companies.

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Other Ways to Save

These strategies can help you to find affordable car insurance, but there are other steps you can take to reduce the cost of coverage now and in the future. Consider the following strategies:

The amount of money you pay for car insurance is a direct reflection on the vehicle you drive.

Some vehicles are more expensive to insure, such as those with a more powerful engine, that are more frequently stolen, that have a higher repair or replacement value and more.

If you drive a vehicle that is more expensive to insure, you may save a significant amount of money by trading it in for a vehicle that is more affordable to insure.

There are many benefits to being a safe driver. Safe drivers are those that have no accidents or citations on their driving history in the last few years.

By being a safe driver, you can enjoy more affordable rates, and this can be combined with a safe driving discount for additional savings. Plus, you don’t have to pay your deductible or out-of-pocket costs associated with an accident. It pays to be safe on the road.

You may not realize it, but where you live plays a big role in your insurance rates. Insurance companies review crime statistics and demographics for policyholders based on their code when determining rates.

This means that moving to the next zip code over may yield savings for you.

For some, such as homeowners, moving can be quite costly. However, if you live with a roommate or rent an apartment, it may be more simple to look for a new place to live.

Car insurance can be expensive, but it doesn’t have to be. By putting these tips to use you can more easily find affordable coverage.

Enter your ZIP code into our FREE car insurance comparison tool to find rates available from multiple companies!