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The Process

Here at BestCheapAutoInsurance.com we take affordability to a whole new level. It doesn't matter what your age is or what vehicle you drive, if you're a driver then we can get you a cheap auto insurance quote. We've dedicated ourselves, heart and soul to helping others, and we firmly believe that everyone is entitled to affordable auto insurance. We do this to protect your family and your finances, and we do it all while staying within the confines of the law.

How Best Cheap Auto Insurance Works

Let's face it; there are a ton of auto quotation sites on the internet. What makes us worth your time? Well, besides our dedication, we offer a drop-dead simple instant quote service in 3 easy steps. Just enter your zip code into the box above and click the “Get Quotes” button. Once that's done, simply:

1)Tell us your vehicle details
2)Choose the policy that fits your needs
3) Enter your information and contact details

Presto! Best cheap auto insurance quotes are on their way to your inbox in just a matter of minutes. If you're still curious about the process, or if you have any questions at all before moving forward, read on to find out the answers to some frequently asked questions about auto insurance.

Frequently Asked Questions 

Auto insurance can be a confusing topic. We know because we get asked a lot of questions about it! Some of those questions appear more often than others, so we've decided to compile the top 15 to help make things clearer. These questions range from the basic to the complex. If you have any additional questions about auto insurance, don't hesitate to contact us. contact us.

What are the basic types of auto insurance coverage?

Auto insurance falls under several categories. These include liability (damage to others), bodily injury liability (damage or death to others), uninsured and underinsured motorists, and collision and comprehensive (accidents, fire, and theft). Emergency roadside assistance and rental reimbursement are also available as types of insurance. Typically, full coverage policies offered by companies include some combination of these listed types.

How much is full auto insurance really going to cost me?

We're not going to lie to you. A lot of variables go into calculating how much an insurance premium is, and calculating an actual average is difficult. A driver's age, gender, driving record, and zip code all factor into the equation. The actual details of the car are important too, because some expensive cars will require more coverage. They're also the cars that are more likely to get into an accident. A good estimate, circa 2010, is about $1,567 per year. This average does include liability, though, so full coverage may be higher.

How can I find the most competitive rates?

Great question! Before you start looking for cheap auto insurance, you'll need to buy the right kind of car. Expensive sports cars will always cost more to cover. Get a safe, sensible car and you'll find packages that are much more affordable. Next you'll want to evaluate your insurance needs. For example, if you only have one vehicle, you'll want an insurance plan that allows for a rental car. When you know what you're looking for, finding the cheapest auto insurance rates can be easy. Head online and shop around for different deals. Consider bundling policies and higher deductibles as an option. Don't forget that you can always call some local agents for more information.

I own a home. Can I get cheaper insurance rates?

Homeowners often qualify for a discount known as the “multi-policy” discount. Contrary to popular belief, policies don't have to be alike to be combined. This discount occurs when a customer purchases both homeowners insurance and car insurance from the same provider. Good insurance agents seek out these discounts when helping clients combine policies to lower rates. You can also combine other property such as motorcycles, boats, and RVs for even more savings.

What is GAP insurance? Should I get it for my car?

Guaranteed Asset Protection (GAP) is a supplemental insurance available with many auto insurance packages. This coverage generally extends to certain financial losses, including the unpaid amount on an automobile loan if a car is lost or stolen. The truth is, cars depreciate in value quickly, and owners could end up owing more on a totaled car than it is actually worth. GAP helps cover this difference. You can get GAP included in the original loan or by purchasing a plan through an insurance company. Some leased vehicles generally have this coverage included in lease payments, but make sure to check with your provider.

If I move to a new state, do I need a new insurance plan?

Yep! Unfortunately, moving to a new state means moving to a new insurance company. This is because most companies really don't want to cover out-of-state customers because of the variance of laws from state-to-state. Moving also comes with new risks that could change the amount of coverage or premiums, such as higher chances of having an accident. Some states just flat out reject out-of-state carriers because it makes it hard to track who does and doesn't have insurance in their electronic systems.

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

Nope! Since they usually drive the family car, young drivers with permits are almost always covered under their parents' insurance plan. If the car is covered, the teen is covered. It's important to note that some states do require you to notify the insurance company about a new driver of the vehicle. They won't be formally added to the policy, but they'll be covered. Drivers using school-provided cars during driver's ED will also be protected under the school's policy.

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

Contrary to popular belief, there are plenty of ways new drivers can get more affordable insurance rates. The first and most obvious is to be a safe driver, because tickets and accidents will quickly drive up premiums. A lot of companies also offer good student discounts to new drivers with a GPA of 3.0 or higher. Some will even offer discounts to drivers who take further education courses such as a defensive driving class. Nonetheless, one of the biggest factors is the car. Although teens often seek out sports cars, these kinds of vehicles are a nightmare for insurance companies. Honestly, cheaper cars mean cheaper rates. Additionally parents should try to get the teen's car covered under their policy. Parents usually get lower rates and you might even score a multiple car discount.

If my car is stolen, will my insurance cover my personal belongings too?

Probably not. Auto insurance is specifically tailored to cover damage to your vehicle. On the other hand if you are bundling and have homeowners insurance then personal belongings might be covered depending on the policy. Auto insurance frequently excludes items such as electronics, cameras, phones, and jewelry. Be sure to never leave anything valuable in your car for long, and check for the availability of insurance riders.

How will speeding tickets affect my insurance rates?

Whether or not a speeding ticket increases your premiums largely depends on a variety of factors. If this is your first ticket, it probably won't affect rates at all. Some company policies, and even some state laws, expressly prohibit raising rates for first time offenders. Multiple tickets or excessive speeds, however, can greatly impact the final outcome. Unfortunately, these kinds of offenses mark a driver as high risk, and as such, encourages companies to raise rates to compensate.

The good thing is that changes to your premiums rarely occur immediately after a ticket issue. The plain truth is, insurance companies don't review their records on a regular basis. Typically, a company may only go over a contract when it is time for a policy renewal. Nevertheless, it's important to note that tickets can stay on a driver's license from three to five years. The more offenses you accumulate, the bigger the chances of a higher premium.

How badly will a DUI or DWI affect my policy?

DUIs (driving under the influence) and DWIs (driving while intoxicated) are serious offenses. As such, these will have extreme effects on your insurance policy premiums. In most cases, a company will choose to cancel a policy completely. If the policy isn't canceled, convicted drivers can expect to see premiums double, or in some cases even triple. These offenses also stay on record for three to seven years depending on each state's law governing how far back a company can see a driver's history. Fortunately, the spike in coverage generally won't occur until a company has reviewed the driving record, which usually isn't until a policy is up for renewal.

Are drivers with multiple accidents uninsurable?

The good news is that any driver with a license is never truly uninsurable. It boils down to risk assessment and cost. Unsafe drivers can expect to see premiums two times or even five times higher than other customers, which can make coverage difficult to afford. It's a catch-22, because drivers require insurance. Drivers with multiple accidents may be in luck in states where laws levy taxes for those companies that insure persons with a history of multiple accidents. Additionally, some states actually require by law that insurance companies cover a small percentage of unsafe drivers. If you have multiple accidents on record, check your state laws to find out more about your insurance options.

Do I need another insurance plan for rental cars, or will my current policy cover them?

Coverage for rental cars varies from policy to policy. The best way to check is to review your insurance to see if there is a rental car clause, and just how much of the cost the policy will cover. Supplemental policies are often available for those drivers anticipating rental car needs. This coverage can be limited, so careful review of terms is needed. Rental coverage may not be available in all states, so talk to your insurance company about what is and isn't possible.

If I have coverage for my car, can I drive a friend's car?

Insurance coverage depends on the vehicle in question and who has permission to drive it. If your friend has a policy that specifically names a driver of the vehicle, then no other drivers should be allowed to operate the car. In this case, make sure to double check your own policy to see if there is a supplementary clause. Just remember that some companies will deny coverage on a vehicle if they think driving your friend's care is more than just an occasional borrowing.

Under what circumstances could a company cancel my insurance policy?

Fortunately for drivers, an insurance policy can only be canceled by the providing company if there is a violation that is specifically outlined within the policy contract. These legally binding agreements are also heavily regulated by the state. A policy can be canceled if a customer intentionally commits fraud by causing an accident or under-representing risk factors. Failing to pay premiums can also result in cancellation. For unsafe drivers, coverage could be revoked if you're convicted of multiple DUIs, receive numerous tickets, or get into too many accidents. The best way to keep your coverage is to be safe and cautious.

If I get into an accident, will my insurance policy be canceled?

Nope. It's very rare that a company drops a customer after the first accident. After all, that's why you have insurance! The bad news is that your premiums will probably go up, especially if the accident is determined to be your fault. Companies really only cancel policies on those drivers who deliberately cause accidents or who drive drunk. Cancellation can also occur if the accident is just one in a long history of unsafe driving. Bottom line is: drive safe and you have nothing to worry about.