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Get Cheap Car Insurance

We Can Help You Find Low-Cost Auto Insurance

Your Route to Affordable Auto Insurance

You take plenty of routes in your car each day, yet getting behind the wheel shouldn’t feel like a challenge. Acceptance helps find the best route to cheap auto insurance backed by people who live in your community. Your Acceptance agent has a vested interest in making sure you are safe while on the road.

Because our agents are your neighbors and friends, they listen to you when you ask them for affordable insurance solutions. They want to make sure you are safe, happy, and saving money – no matter your route!

Come on in or give us a call and let us show you the way to affordable and reliable car insurance.

Are You Overpaying for Car Insurance? Here’s What to Do!

Our agents can show you how to find the cheapest car insurance that balances the right protection and the right premium payment.

The number one way to make sure you are getting the best rate is to let us shop around and compare costs from a variety of insurance companies for you. Plus, our agents understand how to compare every little detail when it comes to insurance, which can get confusing when you are doing the research yourself.

Car insurance FAQs

Get answers to common insurance questions

How to Let Us Find the Right Coverage for You

Kicking back and spending some quality time with family and friends while your Acceptance agent does all the work for you is a great deal in and of itself. Our bilingual agents will compare auto quotes for you so you can decide what best suits your needs and budget. To get this easy process started:

  1. Call, stop by one of our offices or go to our website.
  2. Provide the necessary information, for example your age, zip code, type of vehicles, miles driven annually
  3. Go do something fun and let us do the work!

That’s all there is to it.

Save Money with Car Insurance Discounts

Before you accept a quote for insurance, ask about discounts. Many insurers offer discounts for a variety of items. Here are some of the more popular ones and how much they can potentially knock off your bill.

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Discount Qualifications Average Amount
Good Driver Drivers who have a good driving record with no tickets or accidents in the last 3-5 years. 10-30%
Bundling/Multi-Policy Having more than one policy with the same insurer 14-25%
AutoPay/Pay in Full Set up billing autopay or pay complete premium upfront 5-10%
Customer Loyalty Sign up for a second or multiple years with same insurer 7-11%
Low-Mileage Driving less than a specified number of miles annually 5-7%

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Factors That Affect Car Insurance Costs

There are numerous factors insurers look at to determine your car insurance quote. Of all of them, your past driving record carries the most weight. It is important to always drive defensively and safely, obeying all the rules of the road. Some other factors include:

  • Age: Younger drivers pay more due to having a less robust driving history and a collective tendency to file more claims. Drivers in their 30s-50s pay the least.
  • Gender: Fair or not, males tend to pay more than females.
  • Address/Zip Code: People who live in congested areas that report more accidents and/or higher rates of crime are usually charged more.
  • Miscellaneous Demographics: Married or single (married is cheaper); occupation (becoming less popular); credit score (some states have outright banned this).
  • Policy Limits: Many states have a very low required liability level. If you choose to increase your level, you’ll pay more for your premium.
  • Coverage Options: You may choose to purchase the absolute minimum liability required by your state or go with a more robust policy. There are many different types of auto insurance to choose from and add to your policy for great protection.
  • Deductible Amount: The higher your deductible (the amount you are responsible for in a claim) the lower your premium.
  • Type of Vehicle: High-end luxury cars that cost more to repair and sport cars that may be driven too fast cost more to insure. The best bet is a mid-size sedan or SUV with a high safety and reliability rating.

At Acceptance, we help by searching through many different carriers to find one that meets your unique requirements and budget.

Young happy couple buying cheap car insurance with their insurance agent at a meeting in the office.

Customize Your Coverage

We have 50+ years of experience helping drivers learn how to get cheap car insurance. We find you the customized plan that exactly fits your needs and budget, we’ll go over the basic types of auto insurance you can choose from so we can build your policy.

For example, you may choose to carry only the state-required minimum liability, which helps pay for injuries and damages you may cause if at fault in an accident. Many drivers choose to increase that minimum amount, so they are better protected. You may also decide to give yourself a more robust coverage policy by adding collision coverage and comprehensive coverage. Additionally, uninsured motorist coverage helps you pay for injuries and damages caused by someone driving without insurance (or a hit-and-run). There are other add-ons to explore with your agent, including some that pick up the financial slack if your new car is stolen or totaled and other additions that help pay for a rental car if your vehicle is in the shop for a covered repair.

We’ll help you understand all your options so you can get behind the wheel with peace of mind.

Choosing the type and amount of insurance you want is simple with Acceptance. You want the best cheap car insurance, and you also deserve the most protection you can get. Our agents will happily walk you through flexible, customized choices.

Tips for Lowering Your Auto Insurance

We understand most people feel like they pay too much for their insurance. We are happy to help you find ways to save some money There are many ways you can lower your car insurance premium, including:

  • Bundling: One of the best ways to get a better price is to bundle your auto and home insurance with one company. This can provide up to 20% off.
  • Good driving record: Having a good driving record for at least the last 3-5 years with no tickets or accidents gets you the best rates.
  • The car you drive: Choosing a vehicle that has a high safety rating and is known to be reliable will have a lower rate than a car that is expensive to repair.
  • Discounts: There are many discounts to choose from, including for your demographic, your affiliation with a civic or other organizational group and the ways in which you pay your premium (up front or with an autopay bank withdrawal).

Saving money is something we can all appreciate. Let our friendly agents help you find the discounts and savings you deserve.

Getting Cheap Car Insurance for Young Drivers

We’ve talked about how to find cheap car insurance for experienced, adult drivers in your home, but what if you need insurance for a new driver? It can be downright scary trying to find affordable auto insurance for a newly-licensed teen driver. But not to worry, we’ve got you covered. We’ve got some tips and suggestions that will help take the sting out of insuring a teen driver.

Smiling senior couple talking with insurance agent about cheap car insurance during the meeting in the office.

Why Acceptance is Your Best Bet for Cheap, Reliable Car Insurance

We are ready and willing to listen to your needs and budget and research the best options for you. Get in touch so you can experience how everybody is accepted at Acceptance. You can find a fast and free quote by visiting us online, calling us at 000-000-000, or stopping by for a chat and a cup of coffee at one of our welcoming locations.