{"menuItems":[{"label":"State minimum is the cheapest car insurance","anchorName":"#state-minimum-is-the-cheapest-car-insurance"},{"label":"We don't recommend state minimum car insurance","anchorName":"#we-don-t-recommend-state-minimum-car-insurance"},{"label":"Cheapest full coverage car insurance companies","anchorName":"#cheapest-full-coverage-car-insurance-companies"},{"label":"Why full coverage is your best option","anchorName":"#why-full-coverage-is-your-best-option"},{"label":"\r\n\r\n\r\n\n Sort by:\n \n Name\n Product\n Gap insurance\n \n Homeowner discount\n \n Telematics\n \n Has an app?\n \n Available states\n Smartfinancial\n Yes\n \n Yes\n \n No\n \n All 50 states and DC\n Get quotesCompareloadingFetching your data...Pretected\n Yes\n \n Depends on provider\n \n No\n \n No\n \n All 50 states\n \n Get your most compatible insurance options via a \"smart matching\" method aimed at finding you value.\n Get quotesMore InfoCompareloadingFetching your data...Liberty Mutual\n Yes\n \n Yes\n \n RightTrack\n \n Yes\n \n All 50 states & DC\n \n Earn free accident forgiveness after five years claims-free and customize your policy anytime.\n Get quotesMore InfoCompareloadingFetching your data...Quinstreet - Insure.com\n Yes\n \n Depends on provider\n \n Depends on provider\n \n Depends on provider\n \n All 50 states\n Get quotesCompareloadingFetching your data...loadingLoad MoreCompareClear\r\n\r\n6 tips to get cheap car insurance with the value you need\r\nYou can get cheaper auto insurance rates and not completely sacrifice your coverage levels, no matter which type of policy or company you choose:\r\n1. Drop collision if your car has a low value\r\nIf your car is worth close to what your annual premium for collision and collision deductible is combined, you can probably get rid of it. So if your car is worth $2,000, and you have a $1,000 collision deductible plus $400 in annual premiums for collision, you might not benefit enough from having collision to justify the cost.\r\n2. Raise your deductible and pocket any savings\r\n Dr. Jacquie Carroll, an Accredited Financial Counselor told Finder, \"When you increase your deductible, your premiums (the amount you pay each month\/quarter\/year) will go down, meaning your monthly bills are lower.\" This means you'll have monthly savings from choosing a higher deductible compared to what you'll pay monthly for a lower deductible.\r\n\r\nDr. Caroll suggests drivers, \"pocket the savings each month and you will have enough in one year to cover the higher deductible. Anything after that, is pure savings!\"\r\n3. Run quotes for multiple levels of coverage \r\nIf you play with raising liability limits or adding coverage, you may be surprised how much extra coverage you can get for a little extra cost. Jordan Peagler from MKP Law Group suggests,\r\n\r\n\"Good car insurance coverage may amount to a difference of $10-15 more each month, but could hugely benefit you if you get into a serious or even minor accident. Always look at the big picture when considering how much you spend on your car insurance.\"\r\n4. Update your mileage, especially if it's under 12,000 miles\/year\r\nUpdating the mileage you drive each year is something you might not remember to update with your insurer or during the quote process, but making sure the amount of miles you drive each year is accurate assures you're being charged accurately.\r\n\r\nMost insurance companies give 10% to 20% discounts for low mileage, so regardless of what type of coverage you have \u2014 lower miles driven each year means lower rates.\r\n5. Continue to check for discounts like homeowner or bundling\r\nYou may not have qualified for a homeowner discount or for bundling your car, home or other policies when you originally purchased your insurance. If you've recently gotten married or purchased a home, check to see if your current insurer can apply any new discounts or shop around for an insurer who will to see if you qualify for better rates.\r\n6. Try telematics apps like Allstate Drivewise or Progressive Snapshot\r\nThese programs set your premiums based on how safely you drive, shaving up to 50% off your rates. But they work best if you're a safe driver that's okay with giving permission to track your trips and store your driving data.\r\n\r\nWatch: 6 ways to score lower rates on car insurance\r\n \n \n \n\r\nBottom line\r\nThe cheapest car insurance is state minimum coverage, but that's because you're getting the bare minimum coverage available. It's always best to balance cost with value, to make sure you're not left with extensive out-of-pocket costs after an accident. The best way to get cheap car insurance, regardless of which type of policy you choose, is to compare your options from a variety of car insurers to find the right policy at the right price.\r\nHow we got our rates\r\n\r\nOur minimum coverage rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don't use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:\r\n\r\n \tBodily injury liability coverage per person: $15,000\/$30,000 per accident minimum\r\n \tProperty damage liability: $5,000\r\n \tUninsured motorist bodily injury: $15,000 per person\/$30,000 per accident minimum\r\n \tUninsured motorist property damage: $3,500\r\n \tComprehensive: $0\r\n \tCollision: $0\r\n \tMedical payments: $0\r\n\r\n\r\n\r\nOur full-coverage rates are based on a single 30-year old driver with a clean driving history living in California. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:\r\n\r\n \tBodily injury liability coverage per person: $50,000\/$100,000 per accident minimum\r\n \tProperty damage liability: $50,000\r\n \tUninsured motorist bodily injury: $50,000 per person\/$100,000 per accident minimum\r\n \tUninsured motorist property damage: $50,500\r\n \tComprehensive deductible: $500\r\n \tCollision deductible: $500\r\n \tMedical payments: $5,000\r\n\r\nYour rates may be different based on details like your ZIP code, location, job and annual mileage.\r\n\r\n\r\n","anchorName":"#sort-by-name-product-gap-insurance-homeowner-discount-telematics-has-an-app-available-states-smartfinancial-yes-yes-no-all-50-states-and-dc-get-quotescompareloadingfetching-your-data-pretected-yes-depends-on-provider-no-no-all-50-states-get-your-most-compatible-insurance-options-via-a-smart-matching-method-aimed-at-finding-you-value-get-quotesmore-infocompareloadingfetching-your-data-liberty-mutual-yes-yes-righttrack-yes-all-50-states-amp-dc-earn-free-accident-forgiveness-after-five-years-claims-free-and-customize-your-policy-anytime-get-quotesmore-infocompareloadingfetching-your-data-quinstreet---insure-com-yes-depends-on-provider-depends-on-provider-depends-on-provider-all-50-states-get-quotescompareloadingfetching-your-data-loadingload-morecompareclear-6-tips-to-get-cheap-car-insurance-with-the-value-you-need-you-can-get-cheaper-auto-insurance-rates-and-not-completely-sacrifice-your-coverage-levels-no-matter-which-type-of-policy-or-company-you-choose-1-drop-collision-if-your-car-has-a-low-value-if-your-car-is-worth-close-to-what-your-annual-premium-for-collision-and-collision-deductible-is-combined-you-can-probably-get-rid-of-it-so-if-your-car-is-worth-2-000-and-you-have-a-1-000-collision-deductible-plus-400-in-annual-premiums-for-collision-you-might-not-benefit-enough-from-having-collision-to-justify-the-cost-2-raise-your-deductible-and-pocket-any-savings-dr-jacquie-carroll-an-accredited-financial-counselor-told-finder-when-you-increase-your-deductible-your-premiums-the-amount-you-pay-each-month-quarter-year-will-go-down-meaning-your-monthly-bills-are-lower-this-means-you-ll-have-monthly-savings-from-choosing-a-higher-deductible-compared-to-what-you-ll-pay-monthly-for-a-lower-deductible-dr-caroll-suggests-drivers-pocket-the-savings-each-month-and-you-will-have-enough-in-one-year-to-cover-the-higher-deductible-anything-after-that-is-pure-savings-3-run-quotes-for-multiple-levels-of-coverage-if-you-play-with-raising-liability-limits-or-adding-coverage-you-may-be-surprised-how-much-extra-coverage-you-can-get-for-a-little-extra-cost-jordan-peagler-from-mkp-law-group-suggests-good-car-insurance-coverage-may-amount-to-a-difference-of-10-15-more-each-month-but-could-hugely-benefit-you-if-you-get-into-a-serious-or-even-minor-accident-always-look-at-the-big-picture-when-considering-how-much-you-spend-on-your-car-insurance-4-update-your-mileage-especially-if-it-s-under-12-000-miles-year-updating-the-mileage-you-drive-each-year-is-something-you-might-not-remember-to-update-with-your-insurer-or-during-the-quote-process-but-making-sure-the-amount-of-miles-you-drive-each-year-is-accurate-assures-you-re-being-charged-accurately-most-insurance-companies-give-10-to-20-discounts-for-low-mileage-so-regardless-of-what-type-of-coverage-you-have-lower-miles-driven-each-year-means-lower-rates-5-continue-to-check-for-discounts-like-homeowner-or-bundling-you-may-not-have-qualified-for-a-homeowner-discount-or-for-bundling-your-car-home-or-other-policies-when-you-originally-purchased-your-insurance-if-you-ve-recently-gotten-married-or-purchased-a-home-check-to-see-if-your-current-insurer-can-apply-any-new-discounts-or-shop-around-for-an-insurer-who-will-to-see-if-you-qualify-for-better-rates-6-try-telematics-apps-like-allstate-drivewise-or-progressive-snapshot-these-programs-set-your-premiums-based-on-how-safely-you-drive-shaving-up-to-50-off-your-rates-but-they-work-best-if-you-re-a-safe-driver-that-s-okay-with-giving-permission-to-track-your-trips-and-store-your-driving-data-watch-6-ways-to-score-lower-rates-on-car-insurance-bottom-line-the-cheapest-car-insurance-is-state-minimum-coverage-but-that-s-because-you-re-getting-the-bare-minimum-coverage-available-it-s-always-best-to-balance-cost-with-value-to-make-sure-you-re-not-left-with-extensive-out-of-pocket-costs-after-an-accident-the-best-way-to-get-cheap-car-insurance-regardless-of-which-type-of-policy-you-choose-is-to-compare-your-options-from-a-variety-of-car-insurers-to-find-the-right-policy-at-the-right-price-how-we-got-our-rates-our-minimum-coverage-rates-are-based-on-a-single-30-year-old-driver-with-a-clean-driving-history-living-in-california-california-is-one-of-seven-states-that-don-t-use-gender-to-determine-car-insurance-costs-we-chose-full-coverage-car-insurance-with-liability-limits-that-exceed-the-california-state-minimum-requirements-which-include-bodily-injury-liability-coverage-per-person-15-000-30-000-per-accident-minimum-property-damage-liability-5-000-uninsured-motorist-bodily-injury-15-000-per-person-30-000-per-accident-minimum-uninsured-motorist-property-damage-3-500-comprehensive-0-collision-0-medical-payments-0-our-full-coverage-rates-are-based-on-a-single-30-year-old-driver-with-a-clean-driving-history-living-in-california-we-chose-full-coverage-car-insurance-with-liability-limits-that-exceed-the-california-state-minimum-requirements-which-include-bodily-injury-liability-coverage-per-person-50-000-100-000-per-acciden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tips to get cheap car insurance with the value you need","anchorName":"#6-tips-to-get-cheap-car-insurance-with-the-value-you-need"},{"label":"Watch: 6 ways to score lower rates on car insurance","anchorName":"#watch-6-ways-to-score-lower-rates-on-car-insurance"},{"label":"Bottom line","anchorName":"#bottom-line"},{"label":"How we got our rates","anchorName":"#how-we-got-our-rates"}]}
