Understanding Insurance Issues

Different Options for Getting Cheap Auto Insurance

Shopping for auto insurance can feel like a daunting task. With so many decisions to make, the cost of coverage from one provider to another can vary seemingly inexplicably. If you're in the market for new car insurance but you're struggling with the rates you've been quoted, there are some things you can do to help you get cheap auto insurance. Here's a look at a few tips that can help you reduce your auto insurance costs.

Liability Only

Comprehensive and collision coverage are two of the most expensive coverage lines on any auto insurance policy. These coverage lines address coverage for your car if you're in an accident, whether single-car or otherwise. It also provides direct coverage for your car should a tree branch fall on it or the windshield break.

If you feel like you could do without this coverage, you can opt for liability only, which will cover your liability costs if you are involved in an accident and are deemed at fault. This ensures that the other party's costs are covered, but you'll have to pay your own auto repair out of pocket. Liability-only policies are much cheaper than full-coverage options, so if you're looking to save money, this is one approach you can consider.


Another great way to get cheap car insurance is through a pay-per-mile policy. These policies are fairly new in recent years, and they were developed because insurance companies recognize that the remote work industry has eliminated commuting for many drivers. As a result, for those drivers who aren't commuting and don't travel very far from home, insurance companies can rate them for much lower risk.

Pay-per-mile policies are ideal for those who don't go very far and put lower than average miles on their vehicles every year. If you are one of these drivers, look for an insurance provider that offers policies based on your actual mileage driven instead of a blanket calculation.

Driving Behavior Premiums

When it comes to auto insurance premiums, much of the cost that you incur is based on the risk level you're rated at with the insurance company. For those who are particularly safe, conscientious drivers, you may not have your driving habits acknowledged as much as you would like. In those situations, you can look for an insurance company that provides premium adjustments based on actual driving behavior.

You'll be sent a telemetry unit that will communicate directly with the insurance company to record your driving habits. Safe driving behaviors will increase your premium discounts, saving you significantly over time. If you're a very safe driver, driving behavior policies may allow you to get cheap auto insurance. For more information, contact companies like Illinois Insurance Center Inc.