How low-income families can find affordable car insurance

One of the most effective ways to find low-income car insurance is to shop around. Be sure to:

• Get quotes for at least three different coverage levels. Comparing quotes for various coverage levels, from state minimum required car insurance to "full coverage", can help you find the policy that meets your needs and fits your budget.

• Request these quotes from two or more car insurance companies. Even though the information you provide for these quotes is the same, each company weighs factors differently, which means the quotes will vary.

• Ask about car insurance discounts, payment plans, down payment options, and special offers.

Insurance companies often offer a variety of discounts that can help lower your premiums. Some Dairyland® car insurance discounts include:

• Defensive driver course discount: If you complete a defensive driving class, you may qualify for a lower rate.

• Multi-vehicle discounts: If you have more than one vehicle, insuring them on the same policy could help you save.

• Advanced quote discount: If you request and receive your free quote at least a week before you need coverage, you can earn a discount on your policy.

• Payment frequency discount: That’s right—you can earn a discount just for making your payments! Pay quarterly, every six months, or annually and you can save.

The coverages you want and need may change over time, so it's important to review your coverage regularly. At least once a year, take the time to:

• Re-evaluate your coverages and limits

• Check for new discounts you could qualify for

Opting for a higher deductible can help lower your monthly premium. While this means you’d pay more out-of-pocket in the event of a claim, it can be a good strategy to help keep your car insurance costs down. Just make sure you have enough savings to cover the deductible if needed.

Your credit score can have a significant impact on your car insurance rates. You may be able to improve your credit score by:

• Paying your bills on time

• Reducing or eliminating outstanding debt

• Avoiding lapses in car insurance

• Checking your credit report for errors

• Disputing inaccuracies with your bank or credit card company

The type of car you drive can affect your insurance rates. If you're in the market for a new car, consider choosing a used vehicle that's a few years old and known for its reliability.

Generally, vehicles that have a lower risk of theft, are less expensive to repair, and have good automotive safety ratings cost less to insure.

Some nonprofit organizations can assist low-income families in need of car insurance. These organizations may help pay your deposit or provide grants, low-interest loans, or other financial aid to help you afford coverage. Research nonprofits in your area that may offer this type of assistance.