Car Insurance Cheap

Collision and comprehensive coverage pay to repair or replace your car if damaged or stolen. The size of the deductible has the most influence on what you pay for this coverage. So if you want to get car insurance cheap, you need to have at least a $500 deductible.

The medical coverage that a car insurance policy provides handles the bills for treating the injuries of you and your passengers after an accident. Although this type of coverage is needed, you may be able to eliminate or reduce the amount you carry. If you already have a health plan, it should provide similar coverage. So if your state law allows, you can get car insurance cheap by dropping the medical or keeping a small amount for the sake of your passengers.

If a driver who causes an accident with you has little or no insurance, you can be covered with uninsured or underinsured driver protection. This pays your expenses that the other driver's insurance doesn't. And since getting car insurance cheap means also being protected, it's recommended you have at least $50,000 of this coverage.

Property liability covers the damage you do to property in an accident. Bodily liability handles the medical treatment of those you injure as well as providing for your legal expenses if sued. Having adequate protection in a major accident is the only way to get car insurance cheap, so $50,000 for property coverage and $100,000 per person bodily coverage, should be considered minimums.