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Updated: 7 days ago

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Is Cheap Car Insurance Really Cheap?

These days, too-good-to-be-true deals are many and frequent. Scams are afoot and if you’re like us, side eyes are common reactions to all those gilded promises. This is true in every arena in life it seems, but especially so when it comes to discussions about cheap car insurance. For that matter, any type of insurance with a “cheap” qualifier sounds sketchy as all get out.

Let’s break down just what cheap insurance is, what it isn’t, and what it should be. We’ll get into potential pitfalls and opportunities–follow along friends!

Costs of Cheap Car Insurance

This is one of those you-get-what-you-pay-for moments. When car insurance truly is cheap, you might see some of the following issues spring up:

  • Lack of desired coverage options

  • Very high deductibles

  • Inadequate coverage

  • Lousy customer service

A cheap policy might be easier to pay every month, but if you can’t afford the high deductible, it can’t come in clutch when an accident totals your car–you could be left high and dry. And without a solid team of agents ready to help out, the situation can be pretty bleak. You might wonder what you’ve been paying for all these years.

That’s a totally valid response. And yes, we can do better. You don’t need to compromise quality for price.

Car Insurance that Won’t Let You Down

You want great customer service and top-of-the-line auto insurance, but you don’t want to break the bank. Too much to ask? We sure don’t think so.

The difference between a “cheap” out-of-the-box policy that’s easy to generate and a personalized protection plan that takes time and skill to craft can’t be overstated–they’re night and day. Because while you sure don’t want to pay for insurance you don’t need, you also don’t want to find out that you don’t have what you need when you’re staring down a serious accident.

So you can definitely have the best of both worlds here. You can have a dedicated customer service team who’s there when you need them, but you can also have a policy that won’t cost more than it’s worth.

How can we help you to make that possible? It’s all about knowing what’s available. Oh, and maybe a switch of perspectives.

Cheapness vs. Value

“Cheap” can have a multitude of meanings, based on topic and context, but it’s almost never a good thing. Cheap clothes wear out faster, cheap food may not be as nutritious as the more expensive options out there.

Now, all that said, budgets often speak the loudest, and we might think that “cheap” is all we can afford. But let’s switch up the meaning. Instead of looking at straight up costs, let’s focus on another, less tangible metric: value. That’s defined as “the importance, worth, or usefulness of something.” Everyone’s particular value scale will vary, but we can all agree that having an auto insurance policy and a knowledgeable and understanding agent that have your back when things go wrong is valuable. Some might even say invaluable.

In the end this is about getting the coverage and protection you need so that you’re always protected. But it’s also about finding value amid all the cheapness. Affordable car insurance is possible, but it may not be what you first think. Because while numbers are important, they don’t tell the whole story–finding a pro who can use strategic ways to help you save is where true value lies.

Just in case you need some proof, here’s what we’re talking about.

Affordable Car Insurance is Within Reach

Folks always want to know how much car insurance costs. And they expect a clean, round number. The reality though, is that the very same policy can cost varying amounts, depending on who and what is insured. Generally speaking, car insurance pricing depends more on the driver and their specific circumstances than it does on the insurance provider. Here are some key factors that come into play:

  • Car – price, style and age

  • Location – where you live and where keep your car

  • Drivers – number and age of drivers

  • History – driving records of all insureds

You can’t change the past, but the above factors might change in the future. If they do, they’ll likely have a direct impact on how much you’re paying for car insurance (so make sure you always keep your agent updated). But there are some great ways to save in the present. Some are specific things you can do, but others take advantage of things you might already be into.

  • Multi-car or -driver discounts

  • Auto and home bundles

  • Paying in full or quarterly

  • Taking a defensive driving course

  • Avoiding tickets or other driving violations

  • Accident- and claim-free record

  • Annual reviews of limits and deductibles

  • Safety and anti-theft devices

  • Professional or alumni membership discounts

  • Military and federal discounts

  • Student discounts (high school and college)

  • Senior and 50+ discounts

  • Tracking device (provided) that monitors driving

  • Auto-pay

  • Paperless statements

  • Homeowner discount

Some insurance providers will even reward you for signing up with them before your current policy expires. But whatever the case may be, just know that if you’re partnering with the right insurance agency, finding you a policy that covers your needs without emptying your wallet is always a viable option.

Solid, Affordable Protection

You don’t want to spend hours searching for the right car insurance policy, only to find that the one you’re eyeing is way out of your price range. But there’s also no reason to settle for subpar coverage, or suffer with less-than-stellar customer service. Here at Zinc Insurance Agency our friendly team knows their way around a declarations page. They also know how to wrangle costs and streamline your insurance buying process. In the end, it’s all about ensuring that when the worst comes to pass, your insurance will see you through to the other side.

This is about insurance for people like you, made by folks right here in your community. Get in touch with us to learn more about what we offer and to see how you can save. We’re ready to make a difference. Get your personalized quote today!


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This blog post does not provide insurance advice and is intended for information purposes only. It is not a substitute for professional insurance advice from a licensed representative. Never ignore professional insurance advice because of something you have read in this blog post. Contact your licensed representative if you have any questions about your insurance policy.

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