In general, car insurance can be quite expensive when all of the monthly payments on your premium add up over time. Even if you do very meticulous insurance company comparisons and shopping before you settle on one insurer, it can still end up coming to a price that is much higher than expected.

The worst thing about auto insurance is that it is mandatory for all drivers regardless of their budget or yearly salary. This can be especially tough for low income drivers, but fortunately there are some things that can help these drivers lower their auto insurance premiums.

Use Dedicated Services for the Most Effective Insurance Company Comparisons

There is definitely a difference between manually comparing auto insurance quotes on your own and using a specific app or website that does all of the heavy lifting for you. These services can be more effective as they can compare more insurance companies in a shorter amount of time than any one person can on their own.

One great website you should use when shopping around for auto insurance companies is Insurify. Insurify is one of the best sites available that will allow you to compare insurance quotes from dozens of different companies.

These kinds of services are very important to take full advantage of because auto insurance companies can widely differ in their prices—even for identical packages and coverage policies. The difference between the most expensive auto insurance company and the least expensive one can be huge. This is why sites like Insurify are so important to use so that you can be absolutely certain you are with the cheapest insurance company.

This website is free to use and you’ll receive several different comparisons within a matter of minutes. This should be the first thing you do before moving on to other options.

If you still can’t find a good quote after using free services like Insurify then you’ll have to rethink your current coverage plan.

Alter Your Insurance and Driving Plan

There are things you can do with your current auto insurance company to help save money. One thing you can do, while still covering the minimum coverage rates set by your particular state, is to raise your deductible. A higher deductible generally results in lower auto insurance premiums.

A higher deductible also means that you will end up paying more money if you happen to get into an accident, so it is important to take a good honest look at your driving record and driving skills and ask yourself if you can stay out of accidents to avoid paying higher deductibles. You also need to be sure that you don’t set a deductible that will be too high to pay in the event of a car accident.

Another thing you may consider doing is switching to driving a different car. The majority of auto insurance companies will lower their premiums for drivers who own and operate minivans and family sedans. This is especially true if you buy them used, so if you are able to buy a cheap used minivan it could end up working in your favor.

Take Advantage of Discounts for Low Income Drivers

If you still need a different way to save money on your car insurance then you should know that certain states offer low income car insurance benefits, though they usually come with some stipulations.

The state of California has a program called the California Low cost Auto Insurance program or CLCA for short. It provides discounts to low income drivers as long as they have good driving records. Because the CLCA has coverage limits that are actually lower than the state of California’s own minimum requirements, this means that these low income drivers who qualify for the CLCA are exempt from the state’s requirements.

Additionally New Jersey and Hawaii also have their own low income insurance benefits but they work differently. For New Jersey the benefits only apply to medical costs for injuries related to automobile accidents. For Hawaiia the low cost program is only for those who are aged, blind or disabled.