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title: Ways to Save On Auto Insurance for Low Income Families

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# Ways to Save On Auto Insurance for Low Income Families

Do you shop for the lowest prices on all the things that you need, get what’s on sale at the grocery store and mind you’re spending on almost everything you purchase? You can do that same kind of shopping for vehicle insurance. Aside from New Hampshire, the other 49 states require that you have at minimum a liability policy on your vehicle to legally operate it. That liability policy pays for damage and injuries that you do with your car but doesn’t cover you or your car for any damage or injuries you may suffer. So how do we shop for car insurance? You will get free comparative quotes with [car insurance for low income](https://www.consumercoverage.com/auto/car-insurance-for-low-income) individuals on your vehicle. 

![](https://i.imgur.com/n5lgs8l.jpg)


If you have a newer vehicle and a loan that you are repaying to some financial institution you will be required to carry collision and comprehensive insurance as well. The way to save here is to consider the highest deductible with which you are comfortable though most banks and credit unions will set a maximum, typically $1000. You can save a bit on liability by carrying the state minimum but risk your current and future assets in the event of a serious accident that can easily exceed the dollar amounts that a state minimum typically requires. 

Auto insurance for low income can be purchased from state programs in a few states that offer such plans but the best [way to save on car insurance](https://www.consumercoverage.com/blog/auto-insurance/save-money-on-car-insurance) low income are the following:

* Carry liability only on your vehicle but consider carrying more than the state minimum. Most insurance experts consider a 100/300/100 policy an adequate amount. That is $100,000 per individual injury, $300,000 for all injuries per occurrence and $100,000 property damage.
* When purchasing a vehicle avoid luxury models or high performance vehicles which carry with them higher rates 
* If you’re driving an older vehicle and have [insurance for non car owners](https://www.consumercoverage.com/auto/non-owner-car-insurance) consider covering liability only if it doesn’t meet the 10% rule. That rule is that if your cost for that coverage costs more than 10% of the value of the car you should discontinue it.
* Clean up your credit. Many people don’t realize that their credit score has a significant impact on the cost of insurance. In a recent study a driver with poor credit was paying up to 40% more for the same coverage as someone with good credit. Don’t know your credit score? There are several free websites that will provide free credit scores and you are entitled by law to a free score from each agency that provides credit scores, annually.
* If you have citations for moving violations, be aware that until those violations are taken off your record or expunged by a defensive driving course, for example, you will pay more.

Car insurance can be a considerable expense but one you should not do without. Not only is it illegal in most states it can imperil your lifetime earnings if you are involved in a serious accident and lack coverage. 

The best way to make sure that you get full dollar value for every insurance dollar spent is to shop and compare. At [ConsumerCoverage.Com](https://www.consumercoverage.com) you can do just that. A one source insurance website that allows you to compare and obtain the best value for insurance dollar.