You will need to have a minimum amount of insurance in order to legally drive in the U.S. This is known as minimum liability insurance or minimum liability coverage.
Usually, minimum liability coverage is expressed as a number sequence such as 25/50/10. Each state has its own coverage amounts.
This translates to the minimum required coverage for that state in dollars.
For example, 25/50/10 would mean limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
To get cheap car insurance rates on minimum liability car insurance, there are a few things you can do:
Bundle your insurance products: Get auto and renters insurance, or homeowners and car insurance from one insurance company. This way you will be able to get cheaper auto insurance.
Maintain a clean credit record: Drivers with a good credit rating are seen by insurance companies to be less risky to insure. You can get cheap car insurance rates simply by managing your finances well.
Be a good driver: You can save money on car insurance if you are able to avoid getting tickets for violations like speeding. Insurance companies favor good drivers with car insurance discounts.
Increase your deductible: A deductible is the amount of money that you will need to pay before the insurance company will pay out in an accident. By keeping this deductible high – you will save money and get cheap car insurance premiums. Be aware that you will need to be able to afford this deductible if you are involved in an accident.