Finding affordable car insurance can be a challenge, especially for drivers with a history of claims. However, several insurance companies offer competitive rates and policies catered to such individuals. Here’s a guide to the cheapest car insurance options available for drivers with prior claims in the USA.
1. State Farm
State Farm is known for its comprehensive coverage and excellent customer service. Their policies can be attractive for drivers with a history of claims. They often provide discounts for safe driving courses and being claim-free for a certain period, which can help lower premiums over time.
2. Geico
Geico is frequently cited as one of the most affordable car insurance providers for all types of drivers. They offer a variety of discounts, including for military members, good students, and federal employees, which can be beneficial for those with claims. Their online quote system makes it easy to compare rates.
3. Progressive
Progressive is another top choice for drivers with a claims history. They offer the “Name Your Price” tool, allowing drivers to find coverage that fits their budget. Additionally, Progressive provides usage-based insurance options, helping to lower rates for safe drivers regardless of past claims.
4. Allstate
Allstate may provide slightly higher premiums, but they have numerous discounts available that can offset costs. For drivers with claims, Allstate's Drivewise program rewards safe driving with cash back and discounts, making it a viable option for those looking to improve their rates over time.
5. Esurance
As a subsidiary of Allstate, Esurance offers competitive rates and user-friendly online tools. Their approach to personalized quotes means that drivers with claims can still find reasonable prices. Furthermore, their focus on technology can make managing your policy and claims easier.
6. Farmers Insurance
Farmers is known for their customizable coverage options, which can be particularly beneficial for drivers with a history of claims. They provide a variety of discounts, including multi-policy discounts if you bundle home and auto insurance, to help reduce overall costs.
7. National General Insurance
National General specializes in providing coverage for high-risk drivers. Their policies are designed for those with a history of claims or violations. While premiums may still be higher than those of standard insurers, they are often more affordable than alternatives specifically targeting high-risk individuals.
Tips for Finding the Best Rates
Beyond choosing the right insurance company, here are some tips to help lower your car insurance costs:
- Compare quotes from multiple insurers to find the best deals.
- Consider raising your deductible, which can lower your monthly premium.
- Seek out discounts such as bundling policies or maintaining a good credit score.
- Enroll in a defensive driving course to demonstrate a commitment to safe driving.
- Consider usage-based insurance, which can reward low-risk driving habits.
In conclusion, while drivers with a history of claims may pay higher premiums, options are available to secure affordable coverage. By exploring various providers and leveraging available discounts, finding the cheapest car insurance tailored for individual needs is possible even with a less-than-perfect driving record.
