Const & Coverage
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The keys to getting cheap car insurance.
For most people, car insurance is a necessary expense — but that doesn’t mean it has to be expensive. If you know what goes into your auto insurance, you know what discounts to look out or ask for when you compare car insurance quotes. Follow these tips to make sure your policy stays within your budget.
Every state has minimum coverage requirements for car insurance policies. Depending on where you live and your policy, you may have some or all of the following features:
Most states require minimum levels of BI and PD and some require other coverage types. While it’s a good idea to have, say, uninsured/underinsured motorist coverage, your state might not require that and you can save money by not having it. You can check out how much auto insurance is required in each state here.
No matter what type of auto insurance you have, you can cut your rates with discounts from car insurance companies. Not everyone will qualify for every type of discount (non-students can’t get a student discount) but everyone should check to see which discounts they’re eligible for.
Some popular discounts include:
Many times, insurers will list discounts they offer on a quote you've requested. You can learn more about doing an auto insurance quote comparision here.
Some car insurance companies offer riders that allow you to customize your policy. Note that some riders come at an additional cost, and others may be built into your policy by default.
As mentioned above, cars with certain safety features may warrant a discount from your auto insurance company. Consider these popular safety features to reduce your risk of accidents and increase your chance at car insurance discounts.
Knowing how to build your auto insurance policy is the key to making it affordable. Getting the right policy — at the right price — can mean the difference between being protected and having to break the bank if you find yourself in an accident. Got more questions? Check out our auto insurance FAQ.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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