Frequently Asked Questions about Low Deductible Auto Insurance

Here are the answers to the most commonly asked questions about low deductible auto insurance.

What is low deductible auto insurance?

Low deductible auto insurance is a vehicle insurance policy that offers below-average deductibles to reduce the amount of risk you assume in the event of a collision. With low deductible auto insurance, you are responsible for less out-of-pocket cost in the event of an accident than you would be with a regular insurance policy. Keep in mind that the lower your deductibles are, the higher your insurance premium will be.

How do I apply for low deductible auto insurance?

You can apply for low deductible auto insurance on our site for free by clicking "apply now" wherever you see it. Our application will only take you 2-3 minutes to fill out. In return, we will provide you instantly with at least 4-5 quotes on low deductible auto insurance from several major national carriers.

If I use your site, who will provide my low deductible auto insurance?

We are not an insurance carrier, so we will match you with major insurers who can meet your needs on a low deductible auto insurance policy. We have many insurance partners in our network, including Allstate, Farmer's, Nationwide, and American Family Insurance. Once you receive your quotes, you will see our carriers' offers side-by-side so you can decide on the company and policy that are right for you.

Do I need to buy low deductible auto insurance before I buy a new car?

Yes, if you are buying a new car, you will need to insure it before you can legally drive it off the dealer's lot. If you finance your new vehicle, lenders usually require that you purchase a policy that includes collision and comprehensive coverages. In addition, some states require that you carry liability coverage on your low deductible auto insurance policy, so make sure you know the pertinent laws for your state.

What kinds of vehicles are the cheapest to insure?

Low-profile vehicles with safety and anti-theft features are typically the cheapest to insure. Low-profile means that the car isn't considered a higher risk for theft or accidents by the insurance carrier. In general, that means that the car isn't a "racy" color like red or yellow, isn't a performance vehicle, isn't considered "sporty," and is not a popular target for thieves. You will also get a better deal on low deductible auto insurance if your car has adequate safety features, like seatbelts, airbags, anti-lock brakes, etc. Anti-theft devices, like car alarms, can also help you save money on car insurance. Also, defensive driving can help cut costs.