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Insurance is important for a number of reasons. If you live in the United States, it is a legal requirement to carry car insurance, although the specifics depend on the state you live in. Additionally, car insurance keeps you financially protected if you are involved in an accident. It might be tempting to just buy the bare minimum when shopping for a policy in order to get the lowest auto insurance rates. Unfortunately, by doing so you put yourself at risk of being thousands of dollars in debt if you are ever involved in an accident

The economy has been featured on the news a lot in the past few years, and many people are feeling the direct effects of it on their lifestyle. Many people can no longer afford the things they used to be able to, including car insurance. According to the National Association of Insurance Commissioners, or the NAIC, more than 50% of drivers in the U.S. have switched insurance policies in order to save money. Although it is obvious that not having a job can affect your ability to pay for even cheap auto insurance, there are other ways the economy can interfere with your auto insurance rates as well. As seen on Fox News.


Auto insurance rates are a mystery to many people. They seem like they should be simple enough, but when you look at quotes, you can be given numbers that are hundreds of dollars different across companies. While there are many factors that go into your insurance premium, perhaps the most obvious one is your driving history.

Insurance companies are a business, which means they are in it to make money. If you get into an accident or submit claims, they lose money. Therefore, cheap auto insurance is reserved for people who are deemed the least risky of drivers. Driving safely is one of the best ways to prove you are low risk.


Cheap auto insurance is something many people wish to find, but not everyone has much luck. When you compare auto insurance quotes across companies or with your friends, you might be surprised how different the premiums can be. You might think you have a pretty similar lifestyle to your friend, but then your premiums are hundreds of dollars different. You might think that since insurance companies generally want the same information, that they would give you similar quotes across the board – but again, they can vary greatly.