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Low Cost Auto Insurance Near Me

Getting cheap rates on auto insurance

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side ® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide ® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Government-Sponsored Car Insurance for Low-Income Families

On average, low-income households spend a disproportionately high percentage of their annual income on car insurance. Considering that car insurance is required in most states, it is a necessary expense.

As of this writing, California, New Jersey, and Hawaii have low-income auto insurance programs.

California’s Low Cost Auto Insurance Program

Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.

To qualify for the CLCA, you must:

  • Meet income eligibility requirements.
    • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
  • Have a good driving record.
  • Be at least 19 years old.
  • Have a current valid driver’s license.
  • Own a car:
    • Valued at $20,000 or less.
    • With no unpaid loans.

Annual premiums vary from county to county but the highest premium is capped at $388.

Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

CLCA coverage limits are as followed:

  • $10,000 for bodily injury or death per person.
  • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
  • $3,000 for property damage.

* To check your eligibility and find out the premium rates in your county, visit the CLCA website.

New Jersey’s Special Automobile Insurance Policy

The Special Automobile Insurance Policy (SAIP) is New Jersey’s initiative to help provide car insurance to low-income drivers.

You can apply to SAIP through most insurance agents in New Jersey.

To be eligible for SAIP you must:

  • Currently be enrolled in Federal Medicaid with Hospitalization.
  • Have a current valid driver’s license.

Your SAIP premium will be:

  • $360 per year if you pay up front.
  • $365 per year if you pay in two installments.

SAIP covers your emergency treatment immediately following a car crash, in addition to costs related to serious brain or spinal cord injuries up to $250,000.

SAIP does not provide you with liability auto insurance coverage, or other medical costs that would be covered through Medicaid.

If your Medicaid is canceled during coverage, you may keep your policy, however, you will not be able to renew a SAIP policy once your current policy has expired.

For more information about New Jersey’s Special Automobile Insurance Policy, visit the New Jersey Department of Banking & Insurance website.

Hawaii’s Low Cost Disability Auto Insurance Program

According to Hawaii state law, any driver or person unable to drive due to permanent disability who receives public assistance involving direct cash payments may receive free personal injury protection and liability insurance from the state.

Shopping Around for Car Insurance

Regardless of your state’s low cost program, getting multiple quotes for car insurance, whether online or by phone, will help you find the best policy at the best price.

Oasis Insurance

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WHY CHOOSE OASIS INSURANCE?

Low Rates and Great Discounts

Since Oasis compares rates from top insurance companies before presenting you with the best option, you can be certain you’re getting the coverage you need at the lowest possible price.

Insurance for High-Risk Drivers

Whether you’ve had tickets, an accident, a DUI, or you require an SR-22 – Oasis can get you insured. Even if you’ve been turned down for car insurance in Arizona before, Oasis can help you find a high-risk auto insurance policy that fits your needs and budget.

Fast, Friendly Service

Oasis prides itself on offering top-notch service. Whether you request a quote online, over the phone, or in one of our conveniently-located Arizona offices, our licensed insurance experts will provide you with the exceptional service you deserve.

Fast, Free Arizona Insurance Quotes for Auto and Home

Priding ourselves on excellent service and the lowest monthly rates, we put the needs of our clients first at Oasis Insurance Arizona. While many insurance agencies may make this claim, few actually honor it.

With today’s busy, diverse lifestyles you should have options when it comes to insurance. Whether it’s auto insurance, motorcycle insurance, homeowners insurance, renters insurance, or Mexico travel insurance, you can get a free quote from Oasis Insurance and feel confident you’re getting the lowest rates available.

Oasis represents more than 40 auto insurance companies including well known carriers such as Progressive Insurance, Safeway Insurance, Gainsco Insurance, Mercury Insurance, AAA Insurance, and Bristol West Insurance, to name a few. This means you can shop for low-cost auto insurance and be certain you are getting the lowest rate with the best coverage and service of any independent insurance agency–anywhere!

WHAT OUR CUSTOMERS ARE SAYING

I needed to get auto insurance at the last minute. I got a few quotes from some online companies and they were very high. A friend referred me to Oasis Insurance. They gave me several different options. I chose the cheapest one of course.

Sandy R. – Tempe, AZ

Excellent service. Talked to about 7 or 8 different agents and different companies and by far got the best quote at Oasis from Jeanette Gonzalez!! Made it very easy, fast and convenient. This should be your first and only call if u need insurance!

Daniel S. – Phoenix, AZ

Jeanette was amazing and helped ease my stress of getting SR22 insurance. She was very helpful and took care of it quickly.

Katie W. – Phoenix, AZ

I called all around trying to find a decent rate with no luck until I found Oasis.They were friendly and helpful and I got a decent rate that I can afford. I will definitely recommend them to everyone!

Dawn O. – Mesa, AZ

Great service. Also they give very helpful tips on how to manage your policy and which policies best benefit you.

Personal Auto Insurance

Looking for affordable insurance? We know that it can be difficult to find the right insurance that fits your needs. That’s why, here at Titan, we want to help you make sure you get the right coverage that fits your needs.

Why choose Titan for an affordable vehicle insurance policy?

From the time you establish your auto insurance policy with Titan, you’ll notice a difference. With Titan, you’ll get helpful customer service, local agents and great auto insurance for as little as $1 a day.

From the minimum state required limits to full coverage, our policies are tailored to meet your unique needs and budget.

Titan’s affordable insurance coverage options include:

Auto insurance liability coverage
Liability insurance coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs and lost wages subject to policy coverage provisions and limits. Liability coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Many state laws require liability coverage. Each state has its own minimum requirement.

Collision coverage
Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

Uninsured or underinsured motorist coverage
Uninsured or underinsured motorist coverage helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured driver results in injury.

This car insurance coverage may also pay for lost wages and other damages. Auto coverage varies from state to state and is required in some states.

Medical payment coverage
If you are injured in an accident, medical payment coverage can help pay for your medical expenses.

Comprehensive coverage
When used together, comprehensive and collision coverage are great ways to protect your vehicle. Comprehensive coverage may cover damage to your vehicle not caused by collision.

Additional types of insurance coverage
Titan also offers additional types of insurance coverage to supplement your auto policy. Designed to protect you against the unexpected, these coverage options include roadside assistance if your car breaks down, towing and labor if you’re stranded and rental reimbursement to cover the cost of a rental car while your vehicle is in the shop for accident-related repairs.

Is it possible to get affordable car insurance for high risk drivers?

If you have a less-than-perfect driving record, it can be difficult to find an insurance company that provides affordable car insurance for high risk drivers — or “non-standard” insurance.

At Titan, we understand that accidents can happen to anyone at any time. That’s why we offer affordable policies that help you get back on track.

You may be considered a high risk driver if any of the following apply:

  • You have multiple speeding tickets or traffic violations in a short period of time
  • You have more than 6 points on your driving record
  • You’ve had at-fault accidents while uninsured
  • Your record includes a DUI/DWI conviction
  • You’re a teen driver
  • You’ve had a lapse in coverage

What is an SR-22?

If you’re considered a high risk driver and have had your driver’s license suspended, a court may require you to carry what’s known as an SR-22 in order to have your driving privileges reinstated. An SR-22 document states that you’re financially responsible and carry your state’s minimum liability insurance limits. Your SR-22 status will likely continue for at least 3 years, during which time you must maintain a high risk auto insurance policy. Otherwise, you may risk having your license suspended.

How to get affordable vehicle insurance by leveraging available discounts

You may be a high risk driver, but that doesn’t mean you can’t get the discount auto insurance coverage you need. At Titan, we offer a variety of discounts to help you get affordable vehicle insurance – like maintaining an accident-free driving record, insuring multiple vehicles and more.

3 easy ways to get an affordable car insurance quote

Call your local agent or get an affordable car insurance quote online and find out how much you can save. You may qualify for a discount for even cheaper auto insurance.

  • Get affordable auto insurance online by entering your zip code at the right
  • Call 1-800-TITAN-UP (1-800-848-2687)
  • Find a Titan Insurance agent or broker near you

Need to understand the minimum auto insurance coverage that’s right for you? Talk to a Titan representative about affordable insurance coverage that can help protect you if you’re in an accident. And for even more affordable coverage, check our discounts on auto insurance.

Government-Sponsored Car Insurance for Low-Income Families

On average, low-income households spend a disproportionately high percentage of their annual income on car insurance. Considering that car insurance is required in most states, it is a necessary expense.

As of this writing, California, New Jersey, and Hawaii have low-income auto insurance programs.

DMV.org Insurance Finder

Join 1,972,984 Americans who searched DMV.org for car insurance rates:

California’s Low Cost Auto Insurance Program

Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.

To qualify for the CLCA, you must:

  • Meet income eligibility requirements.
    • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
  • Have a good driving record.
  • Be at least 19 years old.
  • Have a current valid driver’s license.
  • Own a car:
    • Valued at $20,000 or less.
    • With no unpaid loans.

Annual premiums vary from county to county but the highest premium is capped at $388.

Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

CLCA coverage limits are as followed:

  • $10,000 for bodily injury or death per person.
  • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
  • $3,000 for property damage.

* To check your eligibility and find out the premium rates in your county, visit the CLCA website.

New Jersey’s Special Automobile Insurance Policy

The Special Automobile Insurance Policy (SAIP) is New Jersey’s initiative to help provide car insurance to low-income drivers.

You can apply to SAIP through most insurance agents in New Jersey.

To be eligible for SAIP you must:

  • Currently be enrolled in Federal Medicaid with Hospitalization.
  • Have a current valid driver’s license.

Your SAIP premium will be:

  • $360 per year if you pay up front.
  • $365 per year if you pay in two installments.

SAIP covers your emergency treatment immediately following a car crash, in addition to costs related to serious brain or spinal cord injuries up to $250,000.

SAIP does not provide you with liability auto insurance coverage, or other medical costs that would be covered through Medicaid.

If your Medicaid is canceled during coverage, you may keep your policy, however, you will not be able to renew a SAIP policy once your current policy has expired.

For more information about New Jersey’s Special Automobile Insurance Policy, visit the New Jersey Department of Banking & Insurance website.

Hawaii’s Low Cost Disability Auto Insurance Program

According to Hawaii state law, any driver or person unable to drive due to permanent disability who receives public assistance involving direct cash payments may receive free personal injury protection and liability insurance from the state.

Shopping Around for Car Insurance

Regardless of your state’s low cost program, getting multiple quotes for car insurance, whether online or by phone, will help you find the best policy at the best price.

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