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 Mathematics.

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Chris Harrigan has an economic 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 to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 25, 2020

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Key takeaways...

  • A minor car accident can cause thousands of dollars in damage
  • While most states require bodily injury liability very few require any kind of comprehensive car insurance
  • If you have an older car, then maybe collision coverage is not right for you

Low-cost auto insurance is a common term among drivers and it’s much more reasonable to search for a low-cost auto insurance policy than cheap car insurance coverage.

While its certainly understandable anyone in today’s economy desires to get the cheapest car insurance rates possible auto insurance is a very big blanket of financial protection when operating a vehicle and drivers need to compare quotes equally.

A minor car accident can cause thousands of dollars in damage while a major auto accident can literally cost millions and years of litigation along with potential personal liability.

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Table of Contents

What is the best low-cost auto insurance policy?

When you compare car insurance policies by premiums, then you are most likely not paying enough attention to the details of coverage.

A balanced search for car insurance is the only best way to get the best combination of rates and coverage so you certainly want to look for a low-cost auto insurance plan but do not skip the details.

This will depend on your unique application profile but there are steps you can take to find the best low-cost auto insurance policy for your needs.

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Determine What Types of Coverage You Need

While most states require bodily injury liability very few require any kind of comprehensive car insurance and comprehensive is the type of coverage which covers your injuries in the event of an accident.

Having just minimum state requirements usually only protects other people if injured or have property damages while you are responsible for your own (in states who operate under tort law).

Learn about the types of car insurance and determine what you need. If you have a new car you may want to consider getting GAP insurance.

If you have an older car, then maybe collision coverage is not right for you.

Either way, you need to understand what types of coverage available and then check off what you need before requesting quotes.

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How much coverage do you need?

States often require drivers to obtain very little car insurance and many limits are simply based on the average price of a car to ensure drives have enough coverage to pay for the replacement of the damaged vehicle.

However, we live in a society where medical costs can run $10,000 or more for a single night in the hospital and having $15,000 or $25,000 coverage as required by state law is certainly not very much in the case of a minor car accident.

Car leasing companies almost always require at least $100,000 in coverage before allowing you to take possession of the vehicle.

Compare Quotes Equally

Once you understand what type and how much coverage you need, its time to start a low-cost auto insurance comparison search

When the quotes come in, sit down and make sure the types of coverage, limits of coverage and deductibles are all as you requested.

Furthermore, you can verify that all of the low-cost auto insurance quotes you requested offer the same coverage levels then you are ready to compare premiums.

Of course, you also want to read up on car insurance discounts and make note of any you might be eligible for are applied.

Most of the larger car insurance companies all offer pretty equal service and features so its fair to start deciding on what car insurance company to use at the point.

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References:

  1. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  2. http://www.nationalgeneral.com/learning-center/insurance-basics/how_much_coverage.asp
  3. https://www.safeauto.com/