How to Find Affordable Car Insurance

You Deserve Quality Affordable Auto 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 car insurance even if you’re currently uninsured, have lapsed coverage, have been turned down by other providers, require SR-22 insurance, or have poor credit or a less than perfect driving record. You can make an affordable policy even cheaper with the right discounts, deductible, and payment plan. How can a “bad driver” get good insurance? We'll show you!

Find the Right Inexpensive Car Insurance Company

One of the best steps you can take towards finding cheaper car insurance, even when searching for car insurance for bad drivers, is to partner with an insurance company that "gets you," plain and simple. Ask these questions to help make sure your low-cost car insurance policy comes with perks that benefit you.

Ask: 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. You want to get the best deal when you are choosing affordable car insurance, and the ability to select the coverage you need (while cutting out the coverage you don’t) can help you keep costs down. Choosing your payment schedule and down payment can help your insurance feel more affordable than before!

H3: Ask: 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. An SR-22 is 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? Make sure that the auto insurance company you choose has flexible auto coverage options that fit your needs.

Ask: Do you understand my situation?

No one is perfect and everyone deserves a second chance. 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. This is especially true if you have a complicated driving or credit history.

Ask: Will you be there when I need you?

When comparing the overall cost, consider the value of a reliable provider. There are plenty of cheap car insurance companies out there, and some have been around longer than others. Find an established insurance company, like Direct, that has a long, proven history as a reputable insurance provider.

Once you've asked these questions, pause for a moment and reflect. Did you have a good experience? Customer service is a key factor when it comes to choosing auto insurance.

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, see 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 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 premium will be for the corresponding coverage(s). In the end, your deductible amount could make the difference between affordable car insurance and not-so-affordable car insurance.

Get a Cheap Auto Insurance Quote

You have so many options when you’re shopping for auto coverage. Even young or high-risk drivers will find themselves comparing two or more insurance companies. See how Direct Auto compares today!

Get a free car insurance quote online, over the phone at 1-877-GO-DIRECT (1-877-463-4732), or at 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!

Affordable Car Insurance