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Cheap Auto Insurance

Finding cheap auto insurance is easy if you know where to look and what discounts you may be privy to. While finding cheap auto insurance can be easy, selecting an adequate amount of coverage can be a little tricky. Opting for the bare minimum to save money could actually hurt you financially in the long run.

Depending on where you currently live, bare minimum auto insurance levels may be as low as 12,500/25,000/7,500 (Ohio) or as high as 50,000/100,000/25,000 (Alaska). The first number is the minimum amount of auto insurance coverage for injuries to any one person. The second number is the minimum coverage for total injuries per accident, and the third number is for property damages.

If a serious accident occurs and bodily damages and/or property damages exceed your limits, you will be responsible for paying any amounts above your limits. This is extremely important to keep in mind when searching for cheap auto insurance. To find cheap auto insurance:

  • Shop around here at AutoInsuranceTips.com (larger insurance companies tend to offer some of the lowest rates).
  • Select higher deductibles if you think you will be able to afford it in the event of an accident.
  • Select lower coverages on older vehicles (vehicles 8-10 years old or older).
  • Inquire about discounts.

Insurance companies usually offer discounts to drivers with clean driving records, meaning the driver has no moving violations, DUI's, and few traffic tickets over the past three years; no accidents; no lapses in coverage (the driver has paid his premiums on time); fair to good credit; residency in a "safe" area, and a low-performance vehicle. Insurance companies also offer discounts for teens with a "B" average or better and/or teens that have completed a defensive driver or "safe" driver course. Adults may qualify for discounts for completing these courses as well.

Get multiple free quotes for cheap auto insurance here at AutoInsuranceTips.com. Simply enter your zip code in the box above to begin.