Cheap Car Insurance
If you are in the market for a comprehensive car insurance policy, you have come to the right place. K&N Brokerage can recommend you the most suitable coverage that matches your exact needs. Our brokers will take the time to fully understand exactly what you need and provide you with a series of car insurance quotes all in one place for your convenience.
Tips to Find the Cheapest Auto Insurance Quotes
The first tip to help you find the cheapest auto insurance quote is to compare a list of quotes from several insurance providers. This will enable you to get an opportunity to shop around and view what type of coverage is currently available for you. A car insurance comparison website is the platform you can rely on like the one you can access at K&N Brokerage.
Our platform will let you choose from a variety of insurers so you can compare each of the quotes that they provide. Hence, you will have a clearer idea of the precise insurer that provides coverage at a price that you are looking at.
When browsing through insurance quotes online, look at the varying levels of coverage and deductibles. You would also want to understand how each insurer handles claims and customer service. This set of information will help you narrow down on the particular insurer that delivers excellence in value and service that are well within your budget.
Top 10 Cheapest Car Insurance Companies in the U.S.
You should prioritize finding a reasonable rate when looking for car insurance. There are many insurers that provide coverage that can go below $70 every month but not all coverage is made equal. Always consider an insurer’s financial status and level of support before signing up for any policy.
- Direct Auto
- Mile Auto
- National General
Find Cheap Auto Insurance for Good Drivers
Many auto insurers do provide certain types of discounts on their different policies. The discounts can help you save money on your car insurance policy. For drivers with a clean driving record, the majority of auto insurers will throw in a good driver discount. You may also be eligible if you fulfill a special driving course. When shopping for auto insurance, do not assume that you will get the lowest rate right from the start. Browsing the different quotes and comparing their coverages and costs is essential even with a clean driving record.
Find Cheap Auto Insurance for Teen Drivers
A high percentage of teen drivers do not have good credit for insurers to fall back on, do not have a clear driving history, have not developed any safe driving habits, and are more likely to be involved in a fatal crash. All of these factors will cause their auto insurance premiums to suffer accordingly.
If you are a high school, college, international, recent graduate, or grad student and are currently managing your own finances, things can be difficult. You may try cutting back on your expenses, and these can include your car insurance premium. For students who keep their grades up, they may be eligible for a good student discount. If you are thinking of combining your renters insurance with your auto insurance, you may even enjoy discounted premiums.
- Young Drivers
Car insurance for young drivers is generally for those under the age of 25. The policy is typically much more expensive than insurance for middle-aged drivers or older.
Find Cheap Auto Insurance by State
- Full-Coverage Policies
One of the biggest decisions that consumers have to make about auto insurance is how coverage they require. Most states require a minimum coverage amount, but consumers can purchase additional protection. For full-coverage policies, they often include comprehensive coverage and collision coverage, on top of other privileges.
- State Minimum Liability
Liability insurance is the cheapest type of auto insurance. Unlike most insurance, insurers in some states are mandated to offer a minimum level of coverage like property damage liability and bodily injury liability. In most regions, you will not be allowed to register your vehicle if you are not able to prove that you have purchased the state’s minimum coverage limits. For liability coverage, the other party who is involved in an auto accident that you are at fault for, will get financial protection.
Find Cheap Auto Insurance for Low-Mileage Drivers
According to the U.S. Federal Highway Administration, we drive an average of 13,476 miles per year. If you are a low-mileage driver, some auto insurance companies may offer you with special rates. If you are already insured, check with your insurer if they do provide a car insurance discount for low-mileage drivers.
Find Cheap Auto Insurance for Drivers who caused an Accident
If you have caused an accident, it stays on your record and this can make it so much tougher for you to find cheap auto insurance. In most cases, you are required to be covered by a high-risk insurance policy which means higher rates. Even so, there are still some insurers that do provide competitive premiums for such a scenario.
Find Cheap Auto Insurance for Drivers who have a DUI on Record
Car insurance rates are based on several factors but insurers generally do not provide policies to someone who has a suspended driver’s license. If you fall into this category, you may still be able to obtain a restricted licensed from the local department of motor vehicles. You will only be allowed to drive under certain conditions and be insured accordingly.
Find Cheap Auto Insurance for Drivers who have Bad Credit
Many drivers are not aware that their credit score can actually impact the rate of their auto insurance. Auto insurance companies can use it as a factor when quoting a policy rate. For drivers with bad credit, it is expected for your insurance rates to be expensive. However, it does not mean that cheap car insurance is entirely impossible.
Car Brands with the Cheapest Auto Insurance Quotes
The type of car that you drive can impact the cost of your auto insurance. You may wish to first browse through insurance policy quotes before you shop for your next ride. Below is the list of auto brands that range from cheapest to most expensive to insure:
Cheap Car Insurance FAQs
You can compare several insurance quotes at once to determine which is the cheapest one that meets your needs and budget.
Every insurer will claim that they offer the lowest-priced insurance. The only way to find out is to compare the different quotes you get.
In general, state minimum liability insurance coverage is the cheapest type of insurance. It can be around $500 cheaper per year as compared to full-coverage insurance. Many insurers provide liability-only insurance that costs lower than $100 every month.
Our friendly brokers go the extra mile to learn more about you and your insurance needs. Speak with a specialist or get an online quote today.