Cheap Policies for Liability Auto Insurance

FREE Car Insurance Comparison

Secured with SHA-256 Encryption

Call for FREE quotes: (888) 442-5196

Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in...

Full Bio →

Written by

Chris Harrigan has an economy degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise...

Full Bio →

Reviewed byChris Harrigan
Former Insurance Claims Managerhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/cicompaniescom-live/1f43458a-chris-harrigan23.jpg

UPDATED: Feb 1, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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.

Key takeaways...
  • Cheap policy pricing may not reflect coverage for all the drivers involved
  • Unresponsive insurance companies can leave you open to lawsuits
  • Look to see what a company’s response time is when there’s a car accident

Liability car insurance covers the damages that a driver causes an accident. In most states, drivers are required to carry liability coverage in order to register and drive an automobile.

Unfortunately, finding cheap liability car insurance that really protects a driver and car owner from getting sued can be frustrating.

However, it is still possible to find and compare cheap insurance for your car–you just have to know how and where to look.

Enter your zip code into the FREE quote tool above and get a ton of quotes for car insurance right now!

Pitfall #1: Coverage Doesn’t Meet State Liability Guidelines

Every liability policy has different limits. Falling below these limits will leave you at risk for receiving tickets.

Even worse, uninsured drivers are automatically considered at fault for any accidents that occur. That also leaves them responsible for any medical costs and damages resulting from the accident.

If found to be driving uninsured, a driver may find their car impounded and have to pay hundreds of dollars in fines and fees before being able to get their auto released.

The solution to this is that consumers should make sure their state’s limits are met by any given policy before they sign for the policy.

Each state has its own guidelines for how much liability insurance drivers need to have.

Consumers can search online, or call their area Department of Transportation or Department of Motor Vehicles to find their state minimum insurance requirements.

The website for the National Association of Insurance Commissioners also features a clickable map that can help you find information about your state.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Pitfall #2: All Drivers of a Car Aren’t Covered

Not only does a driver need to be protected during an accident, but the owner of the car does as well. However, there are many situations where they are not one and the same.

Cheap policy pricing may not reflect coverage for all the drivers involved. A state patrolman may accept an insurance card without the driver’s name on it during a traffic stop.

However, in the case of an accident, the owner of the car may be held financially responsible for all injuries and damages if the driver isn’t covered.

When doing a search for cheap liability car insurance, policy seekers should make sure it includes coverage for more than one person.

If necessary, be sure to call the company before signing up.

Pitfall #3: You Pay More than Necessary

Online search engines can compare the base price of an insurance policy, but many companies allow discounts for a variety of situations.

Discounts may be offered if the driver is a student with a good academic record or a member of a motor service clubs such as AAA.

When you are shopping for your insurance policy, be sure to ask about any discounts for which you may qualify.

You can still call your insurance provider after obtaining a policy to see how you can receive any extra deals. The worst they can do is tell you no more discounts are available.

Pitfall #4: Your Coverage Doesn’t Last Very Long

This pitfall falls under the doctrine of “too good to be true.” Online comparison tools have automated processes. They’re set up in advance, and the system is not fool-proof.

There may be typos or a mistake that can lead to errors like monthly costs being counted as yearly prices.

To circumvent this possible problem, beware of any ridiculously low insurance offers and check to make sure it’s not a mistake. Policy seekers should call the company and double-check ultra-low rates.

Instead of being upset if there’s been an error, a helpful attitude may be a consumer’s key to getting special pricing.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Pitfall #5: Can’t Reach Customer Service

Half of the reason people settle for cheap liability car insurance is to avoid getting a ticket in case they get stopped for a violation.

The other half is to prevent lawsuits in case they cause an accident. That’s a situation few people think about because they trust themselves behind the wheel.

If and when it does happen, it’s important to have an insurance company that responds quickly and efficiently to help keep you out of trouble.

Unresponsive insurance companies can leave you open to lawsuits. Quality customer service also allows policyholders to make quick and easy changes to their coverage.

Be sure to check out online reviews of insurance companies. J.D. Power and Associates conducts an annual study that rates auto insurance companies on their customer service.

While consumers are shopping for the best pricing online, they should spend a few moments reading about other people’s experiences.

Policy owners should consider what they want from their cheap liability car insurance provider.

Look to see what a company’s response time is when there’s a car accident. How did they aid — or impede — legal actions?

How easy is it to get in touch with a real person at customer service?

Finding cheap liability car insurance online is easy. Evaluating those policies and the companies that hold them is easier now than it was before online comparison tools were invented.

Get started on your search with free car insurance quotes by entering your zip code below!

References:
  1. https://www.transportation.gov/
  2. http://www.naic.org/state_web_map.htm
  3. http://www.aaa.com
  4. https://www.nationwide.com/cheap-car-insurance-quotes.jsp
  5. https://www.geico.com/
  6. http://www.jdpower.com/consumer-ratings/ratings.htm?study=909201124

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption