WHAT OUR USERS SAY

Holly
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switched my insurance company. I am happy to say I am saving over $350 a year! Amazing."

Alyssa
"I got a speeding ticket and someone suggested I find insurance that has lower rate hikes for infractions. I tried this site and was able to quickly get a list of insurance agencies that met my specific criteria. I recommend this for anyone. It doesn't hurt to look, and this site makes it a painless experience."

John
"I was looking for a quick and easy way to compare insurance quotes when I stumbled onto this site. I just entered my car information, estimated daily mileage, name and email and blamo! The process literally took less than 5 minutes. Thanks for making this site so easy to use!"
The Process

Hello and welcome to Cheap-Car-Insurance-Free-Quote.com – the place for you to discover the best and cheapest auto insurance. No matter how old you are or what vehicle you drive, we can help you to get an affordable insurance quote. This is something that we sincerely want to help with as we firmly believe that everyone should be able to afford car insurance, not only to protect their family and finances, but to also stay within the confines of the law.

Cheap Car Insurance, Get Cheap Car Insurance Quotes Right Here!

There are many auto quotation sites on the internet, so you might be wondering what makes us stand out from the crowd. Apart from a dedication in what we can do for drivers who want cheap auto insurance, our quotation process is as simple as 1-2-3. To start, all you have to do is enter your zip code into the box above and click “Get Quotes.” After that you will be asked to simply:

1) Fill in your vehicle details
2)Tell us what policy you would most like
3) Enter the usual personal information and contact details

That’s it! That’s all we need and it only takes a minute for us to be able to send you the best cheap auto insurance quotes on the internet! However, if you are curious and have any questions before moving forward and getting a cheap auto insurance policy, below are some frequently asked questions.

Frequently Asked Questions 

We get asked a lot questions about auto insurance. Some questions we get more than others. To assist you in your quest to find the best and cheapest insurance we have compiled our top 15 most asked questions. Questions range from explaining the basic types of car insurance to how a speeding ticket affects your insurance. If you have additional questions please feel free to contact us.

Do I need to switch car insurance coverage if I move to a new state?

Yes, anyone who moves to a new state will need to switch auto insurance. For one thing, many insurance companies will not want to cover customers who move because of new state laws. At the very least, changes in risk factors such as moving to a state with higher accident rates will increase the policy. Plus, some states do not allow out of state carriers because they rely on insurance companies to electronically submit to databases in order to track who does and who does not carry insurance.

Do you have to pay more on your insurance for a speeding ticket?

There are several factors at play here. If this is a first offense, then insurance rates may not rise at all. This may be the result of a company policy, or some states even have laws that prohibit raising rates for the first ticket. Unfortunately, multiple tickets and tickets for a high rate of speed change the equation. Under those circumstances, an insurance company may assess a driver as high risk and will definitely raise the rates.

Of course, these rate changes rarely occur immediately following the ticket. That’s because insurance companies do not review records on a regular basis. Most will only do so when the contract is up for renewal. Also, keep in mind that tickets generally will stay on a license for anywhere from three to five years. This increases the chances of accumulating multiple offenses, which, of course, increases the chances of a premium rate hike.

What are some ways young drivers can receive cheap auto insurance?

There are several ways young drivers can receive discounts on their insurance rates. Of course, the most obvious is to be a safe driver and avoid tickets and accidents that will drive up those rates. Many people are also familiar with good student discounts in which students with a GPA of 3.0 receive discounts. In addition, some insurance companies will offer discounts if students take driving classes such as a defensive driving course.

Then there is the car factor. Many teens drool over the sports car with visions of cruising down the road. Unfortunately, those types of cars spell disaster to the insurance companies. The reality is lower rates tend to go to the cheaper cars. Additionally, domestic vehicles, four doors and four cylinders are also cheaper to insure. So forget the sports car. Another tactic is to let the car piggy back on the parents’ policy. Parents generally receive lower rates and may get a multiple vehicle discount.

What is the average cost for full coverage car insurance?

Unfortunately, there are so many factors that go into calculating a premium that it is very difficult to pinpoint an accurate average. These factors include the driver’s age, driving record, sex, and even the zip code where he or she lives. In addition, the make and model of the car can play a role as more expensive cars require more coverage and are statistically more likely to be in an accident. As of 2010, the average premium was $1,566. However, this includes liability rates so full coverage would be higher.

How does a DUI affect my auto policy?

Being convicted of a DUI or a DWI can have serious consequences on your auto rates. If the company does not choose to cancel the policy, the rates can double and, in some states, even triple. What’s more? The effect can be felt for anywhere from three to seven years depending on the state’s laws regarding how long an insurance company can look back on a driving record. The only bright spot is that the insurance hike will not occur until the company reviews your driving record upon contract renewal.

How many car accidents can I get in before my rates are uninsurable?

Unless you lose your license, you are never really uninsurable; it’s just a matter of risk and cost. Unfortunately, that can mean rates as high as two to five times greater than most people, and some people may make the decision that they can no longer afford that. However, driving requires insurance, so where do these people turn? For drivers with multiple accidents, some states make available policies by levying taxes on insurance companies. In addition, some states require insurance companies to cover a certain percentage of “bad” drivers.

Do I need to purchase auto insurance for my rental car or can I stick to using my existing policy?

This really depends on your policy. Review it to see if it covers rentals and the amount of coverage. Other policies may be available through credit cards used to rent the vehicle or through travel packages. However, these policies tend to be supplemental and have restrictions. A careful review is needed. If necessary, a driver may also purchase loss damage waiver protection from the rental company. Just keep in mind that this too can be limited in scope and may not be available in all states.

Can you drive your friend’s car if you are insured with your own car?

In general, coverage actually depends first on the vehicle in question and whether you had permission to drive it. Also, make sure that the friend does not have a policy that names a specific driver. In which case, his or her policy could exclude occasional drivers. In the event that his or her policy is limited, check with your policy. Many times it will kick in as a supplementary policy. Also, an insurance company may deny coverage if they believe that driving the friend’s car is more than occasionally borrowing.

Is car insurance cheaper if you own your home?

Owning your own home can provide auto owners with another type of discount known as a multi-policy discount. Many people think that only like policies can be combined such as multi-car policies, but that is not so. By purchasing homeowners insurance and car insurance from the same provider this discount kicks in. A good agent will look for these types of discounts and help clients combine the right policies. Other things to combine for greater discounts include RVs, boats or motorcycles.

Does a young driver who has a learners permit need to have their own insurance?

Though it can be purchased, most young drivers do not need to purchase their own insurance. Most of the time, they are already covered under their parents’ policy, because they usually practice with a parent in the family car. As long as the car is covered, the teen is too. Some states do require that the insurance company is notified. While they will not be formally added to the policy, they will be covered. Also, any student taking a driver’s ed course will be covered by the school’s policy.

Can I get Gap insurance on my car?

Gap stands for Guaranteed Asset Protection and is not only possible but an excellent idea. The reality is that cars depreciate at a fast rate and many owners find themselves owing more on the car than its actual value. Gap will cover this difference in the event of an accident. It can be included in the original loan by the dealer or it can be purchased through an insurance company. For leased vehicles this is usually included in the lease payments, but it’s a good idea to check.

What are the basic types of auto insurance coverage?

There are several basic types of auto coverage. Liability covers the damages to others, and bodily injury liability covers the injury or death to others. Uninsured or underinsured motorist insurance covers you in the event the other driver does not carry adequate coverage. Collision and comprehensive coverage pertains to damages from accidents involving collision or other events such as fire or theft. In addition, full coverage is generally a combination of all of the above.

How do I find the cheapest insurance rates?

Finding the cheapest auto insurance rates involves a little leg work and making some good decisions. First evaluate your insurance needs and then do some comparison shopping. The internet is a great start and making calls to local agents can help. Then consider such moves as raising your deductible, bundling policies, and keeping your driving record clean. In addition, make sure to buy the right car. Expensive sports car will be more expensive to cover every time.

What reasons can auto insurance company cancel my policy?

An insurance policy is a legally binding contract and can only be canceled by the insurance company for reasons that should be outlined in the policy. Furthermore, these reasons are carefully regulated by the state. These include such things as failing to pay premiums, committing fraud by misrepresenting risk factors or intentionally causing an accident. The policy might also be canceled if you are deemed too much of a risk due to numerous tickets, accidents, or DUI convictions.

My car was stolen. Will my insurance cover my personal belongings in the car as well?

Unfortunately, this is a really gray area and may depend on not just the type of auto coverage you carry, but what type of homeowners insurance as well. In general, auto insurance only covers the vehicle and not the personal property inside. Comprehensive insurance may help, but there are usually several significant exceptions such as electronics, CDs, cameras and jewelry. Check with your homeowners insurance as these may be covered under this type of policy.

Will my policy be canceled if I get into an accident?

In general, your policy will not be canceled if you get into one accident. Rates might be raised but the insurance company will continue the policy. However, there are some exceptions. For example, if a driver deliberately causes an accident or is convicted of driving while intoxicated during the accident, then the insurance company may have legal grounds for terminating the policy. A cancellation may also occur if this is not the first accident, but rather just another accident in a long series of accidents.