Finding affordable auto insurance can be challenging, especially for drivers with a history of claims. However, several insurance companies in the USA offer competitive rates tailored to high-risk drivers. In this article, we will explore the best cheap auto insurance options available for those with a past of claims.
1. Geico
Geico is known for its competitive pricing and wide range of discounts. They offer affordable rates for drivers with a history of claims, making it a popular choice. With features like the Geico mobile app and 24/7 customer service, maintaining your policy has never been easier.
2. State Farm
State Farm is another excellent option for drivers with claims history. They provide a variety of discounts, including safe driver and multiple policy discounts, which can significantly lower your premium. Their extensive network of agents also allows for personalized service.
3. Progressive
Progressive is well-regarded for its flexible insurance options and competitive rates for drivers considered high risk. Their Name Your Price tool allows you to customize your policy based on your budget. Additionally, Progressive offers discounts for bundling your home and auto insurance, which can help reduce costs further.
4. Allstate
Allstate’s policies are tailored for drivers with a history of claims, providing coverage options that fit various needs. They also offer many discounts, including safe driving incentives and auto pay discounts, making it easier to find an affordable policy.
5. Farmers
Farmers Insurance is known for its comprehensive coverage options and competitive rates for drivers with previous claims. They provide personalized service and flexible plans, ensuring you find a policy that suits your specific situation. You can also benefit from their many discounts, enhancing affordability.
6. National General
National General specializes in providing insurance for high-risk drivers. They often offer lower rates compared to traditional insurers and have unique coverage options for those with a history of claims. Their focus on high-risk policies makes them a strong contender in the affordable insurance market.
7. Liberty Mutual
Liberty Mutual offers tailored auto insurance options that can benefit drivers with a claims history. They provide unique discounts, such as those for policy bundling and installing safety features in your car, which can help lower overall costs.
Tips for Saving on Auto Insurance with a Claims History
Beyond choosing the right insurer, there are several strategies to help reduce your premium:
- Increase Deductibles: Opting for a higher deductible can lower your monthly premium. Just ensure you have enough savings to cover the deductible if needed.
- Maintaining a Clean Record: Avoid further claims for as long as possible to improve your risk profile over time.
- Consider Usage-Based Insurance: Programs like pay-as-you-drive can provide discounts based on your driving habits, which may benefit low-mileage drivers.
- Shop Around: Regularly comparing quotes from different insurers can help you find the best rates and coverage options.
In conclusion, if you have a history of claims and are searching for cheap auto insurance in the USA, options like Geico, State Farm, and Progressive should be on your radar. With diligence and by utilizing available discounts, it’s possible to find coverage that fits your budget while still providing essential protection on the road.
