Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 19, 2015

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You do not have to pay a lot of money to get insurance for your vehicle(s). In fact, it is possible to get cheap full coverage auto insurance, as long as you are willing to do a little bit of legwork and you meet certain requirements. For instance, did you know that if you are a member of the American Automobile Association (AAA), many insurers will give you a discount on your insurance premiums? This is just one way that you can save money but still make sure that you have the coverage you need. If you want to learn more, this incredibly informative page can give you more details about full coverage auto insurance. Here are some other tips:

Cheap Full Coverage Auto Insurance

  • Get Longer Policies – Try to make sure that your policy is for one year rather than six months. This way, the rates are only up for change once a year instead of twice.
  • Get Anti-Theft Devices – Having certain devices installed in your vehicle will help you to be eligible for cheap full coverage auto insurance. Some of these devices include car alarms and even alarms on your garage if this is where you park at night.
  • Have a Newer Model Vehicle – If you can afford it, try to get a vehicle that is a newer make and model. New vehicles have many more safety features than older ones, and are easier to insure at affordable rates.
  • Belong to Associations – You can get discounts on vehicle insurance if you belong to certain associations or organizations such as AAA or AARP.
  • Ask About Multiple Car Discounts – If you own more than one car, you may be able to get lower insurance rates, because the insurer will want you to have coverage for both through that company.
  • Know Your Mileage – One of the deciding factors for your insurance rates is how many miles you drive each day. If you use your vehicle to go to work, you will pay one rate, while the rate will be different if you stay at home and don’t drive much.
  • Make Electronic Payments – You are often charged $5 or even more if you mail in your payments. Making electronic payments usually eliminates this charge. It may not seem like much, but it adds up to $60 a year, which may be a couple of payments you could have made instead.
  • Lower Your Coverage – Although this is not recommended, if you are having financial difficulties, you may want to opt for a lesser amount of coverage for a while in order to save money.

Get Quotes

Even if you are eligible for any of the above discounts, you will not be able to get the cheap full coverage auto insurance you want without getting quotes first. Not all insurers offer the same discounts, and you need to see what different companies are offering. Even if you already have insurance, it cannot hurt to go online and get some quotes to see if you could be getting a better deal elsewhere. We’ll use your zip code (no other personal information is required) to get quotes from many insurers in your area so you can get the best deals on car insurance.