Last updated: August 2022
Affordable Car Insurance
Are you a driver dealing with special circumstances? You may worry that affordable auto insurance is out of reach. And cheap insurance? Impossible to find. Thankfully, that's not the case. Great auto coverage at low, reasonable rates is available to everyone.
The truth is, you can still apply for affordable car insurance even if you’re currently uninsured, have lapsed coverage, have been turned down by other providers, require SR22 insurance, have poor credit, or a less than perfect driving record. You can make an affordable policy even cheaper with the right discounts, coverages, and payment plan. We'll show you how!
Find the Right Inexpensive Car Insurance Company
One of the best steps you can take towards finding cheaper car insurance is to partner with an insurance company that "gets you," plain and simple. Some cheap\car insurance companies make you sacrifice quality and service to get affordable insurance, but not Direct Auto Insurance. Make sure your low-cost car insurance policy comes with high-quality perks by asking these questions:
Can I customize my coverage & payment?
When you’re comparing car insurance quotes and evaluating insurance providers, look for a company that allows you to customize your coverage and monthly payment. The ability to select the coverage you need (while cutting out the coverage you don’t) will help you keep costs down. Choosing your payment schedule and down payment can help your insurance feel more affordable than before!
Do you offer the coverage & services I need?
Also, make sure you choose a provider that offers insurance policies that meet your needs, whatever those may be. Depending on where you live and whether your car is financed, you may be legally required to keep a certain type and amount of car insurance. This is especially true if you need to meet SR-22 insurance requirements. SR-22 isn't a type of auto insurance. It's simply a document that your auto insurance company files with the state to certify that your insurance policy meets the state's minimum liability requirements. Do you feel confident in your car insurance company’s ability to meet your needs?
Do you understand my situation?
Choosing a provider that is familiar with your circumstances, like getting insurance with poor credit or a history of lapsed insurance coverage, is also important. At Direct Auto Insurance, we believe each and every customer is equally important and valued. No matter the circumstances, we work with you to help determine the best policy for your needs. No judgment, just great customer service and quality car insurance that keeps you legal. Partnering with the right company makes it easier to get the affordable auto insurance you need for the right price.
Work Toward Lower Auto Insurance Rates
Once you've found the best car insurance company for your needs, there are several things you can do to make your car insurance more affordable.
Get discounts: Ask if you qualify for any car insurance discounts, and if you don't, what you can do to qualify in the future. Many car insurance companies offer discounts for vehicles with airbags, anti-lock brakes, anti-theft devices, or other features that could help prevent auto theft or reduce your chances of being in an accident.
Your insurance company may offer multi-vehicle, homeowner, mileage, or renewal discounts, too. If you already have an insurance provider but are thinking about changing providers in order to save money, ask about a switchover discount.
Increase your deductible. To reduce the amount you pay for your coverage, you could also increase the amount of your insurance deductible. This is the amount of money you would pay out-of-pocket upfront for damage to your car. Typically, the higher the deductible you choose, the lower your collision and comprehensive premium will be. In the end, your deductible amount could mean the difference between affordable car insurance and not-so-affordable car insurance.
Get a Cheap Auto Insurance Quote
Get a free car insurance quote online, over the phone at 1-877-GO-DIRECT, or a Direct Auto Insurance location near you. Quotes are free and fast and a great way to see if you're eligible for more affordable car insurance. See how you may be able to get cheap car insurance rates and high-quality service today!