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 21, 2020

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Key takeaways...

  • It is possible to get cheap car insurance as a convicted felon
  • Keep in mind there are factors that can affect your premium and various options for discounts and also coverage plans
  • Take the time and effort to shop around to find the most suitable coverage and prices for you

Convicted felons are disadvantaged in many ways. They try to get services from different industries that overcharge them.

It is worth noting that it is possible to get cheap car insurance even as a convicted felon.

It may not be possible to physically go from one insurance company to the other trying to compare prices. At the end of the day, all one would earn is an aching head and an exhausted vehicle.

Finding auto insurance calls for another approach to the issue. Auto insurance companies vary in:

  • Premium costs
  • Policies
  • Policy definition, terms, and conditions, etc.

If you’re on the hunt for better and more affordable auto insurance, enter your ZIP code above and compare at least three to four policies today!

Table of Contents

Searching for Options

The clients have to be more specific about what they are searching for. Though the client may have to narrow down, it is crucial that they do not gain little favors at the expense of other essential services.

A car insurance company may give you a cheap offer, yet along with that, they do away with essential services or give terms and conditions that put the car owner at risk.

On the other hand, two companies may be offering the same policy with the same definition and yet contain different prices.

In such an instance, we would say one is cheaper. Remember that there is no compromising to quality. A company may have an outstanding public reputation, with a stable financial ability and fair rates.

However, does all that mean it is the company to go for?

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Three Auto Insurance Options

There are different types of auto insurance available on the market today, and they can be categorized into three major categories:

Compulsory Third-Party Insurance

https://www.youtube.com/watch?v=at4wK3eyeSo

Compulsory third-party insurance is basic insurance. In most states, it is compulsory to all motor vehicle owners and does not cover the vehicle or the property within the vehicle.

Therefore, the owner will have to bear the pain of repairing the vehicle, loss of property, and of any other goods in an accident. This kind of insurance only covers the victims of the accident.

Third-Party Car Insurance

Third party car insurance covers damages caused to other people’s car or property but does not cover the damage to the subscriber’s vehicle.

Comprehensive Insurance Policy

Comprehensive is a combination of the above-named insurances. Through a driver’s negligence, an accident may take place damaging more than one vehicle or property belonging to different persons.

In such instances, the policy covers all loses occurred in the accident for all involved parties. We have more detailed information on comprehensive car insurance and what it covers.

Seek Deals on Packages

An insurance company dealing with different forms of insurance may have package deals for clients wishing to buy more than one policy.

If one goes for a house insurance policy alongside car insurance within the same company, the company — as a way of encouraging the customer — may offer the client a package discount.

Compare Car Insurance Companies

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Does the company offer online transactions?

Online transactions can be very favorable especially to the buyer. If a company offers online service, then they become more credible than those that do not.

Online services that are done using credit cards are more affordable since they have reduced processing fees.

The buyer also enjoys the convenience now that they can access the services from anywhere, and there is no need to line up or the pressure of the closing hours. One has all the time to think and contemplate before submitting the form.

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Check On the Company’s Reputation

A company’s reputation is a key factor to consider. Such information is available online from websites which carry out opinion polls on insurance companies. State institutions that govern insurance companies may have useful information.

You can research as many or as few companies as you like and settle for the most suitable.

Insurance broker websites also offer remarkable comparisons for informed decisions.

Be Aware of Demographical Rates

Some insurance policies vary depending on where the applicant lives. So, it is important that the buyer be aware of the risk factors involved in any geographical region.

Risky places attract high insurance charges. A state with high population density is riskier compared to the contrary.

Go for Discounts

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When researching better, more affordable insurance policies, it is not fair to overlook the current insurer.

It is good to check whether the current one can matches the offers by other companies and to know what auto insurance discounts are offered.

One can do this by challenging his or her insurer to offer better rates compared to other competitors.

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Do Not Settle for Cheap

Finding a cheap car insurance policy is not everything. It is essential to know what the cheaper offers entail.

Most of the time companies charging high, normally, have better insurance packages, while the cheap ones have a limited number of services to accompany their insurance.

It’s not sensible to go for an expensive policy when the user may not be able to exhaust the full privileges that come with the package. When comparing companies, ensure the services offered by both companies are comparable.

What do they offer?

Apart from paying for the damage, what else do they offer? Some companies offer support on the road even before something devastating happens to the vehicle. They offer services such as:

  • Vehicle recovery
  • Mechanical support
  • Road rescue
  • Vehicle tracking, etc.

These may not be all you need to consider while making comparisons between different car insurance companies but can be of incredible help if considered before choosing a company or an insurance plan

Online Car Insurance Comparison

Use of online quotes can be of great help to car owners who want to leave nothing to risk.

The economy might be unfriendly, but none should ever compromise on quality.

It is only fair that one goes for an affordable insurance policy rather than a cheap one.

However, it is essential that one gets to differentiate between what is cheap and what is affordable. Visit different auto insurance company sites and get to know their prices, as well as services.

Looking for better and more affordable auto insurance? Enter your ZIP code below and start comparison shopping today!