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Car Insurance Quotes From Insurance Navy Are Free and Easy

In two minutes, we'll provide you with a free, no-obligation auto insurance quote. There's no need to talk with a representative since the entire procedure is simple, fast, and entirely online. Simple enter your ZIP Code and start your quote.

We understand that you may require auto insurance right now, so as soon as you purchase your policy, we'll provide proof of coverage. With a simple, hassle-free online quote from Insurance Navy, there is no easier way finding a cheap auto insurance quote.

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Cheap Car Insurance Quotes Online

If you're looking for low-cost car insurance quotes, you've found the right company. We understand how time-consuming it is searching for car insurance quotes online, and we take pleasure in providing them fast and easily.

We provide you with the coverage you need at the lowest price.

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Auto Insurance Quotes in Under 2 Minutes

Two Minutes is all it takes to receive an auto insurance quote from Insurance Navy. Just enter your ZIP code and let our car insurance comparison tool do the rest of the work finding the cheapest rates.

The quality service doesn't end with your quote. Insurance Navy proudly uses a customer orientated approach.

We've grown into one of the largest insurance agencies by helping drivers receive the cheapest car insurance quotes they need at an affordable price.

Even drivers with a bad driving history can get an affordable auto insurance quote. Anyone can get insured when they choose a cheap car insurance policy with Insurance Navy.

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Why Choose Insurance Navy for Affordable Auto Insurance?

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Cheap Car Insurance with Reliable Coverage

Millions of people know that Insurance Navy is a company they can rely on and trust for the cheapest car insurance.

After you get your free car insurance quote online, Insurance Navy is here to help you every step of the way towards getting your vehicle insured instantly.

Simply enter your ZIP code to find the cheapest auto insurance rates.

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Cheapest Rates

Many drivers, even those who are high-risk to insure, pick Insurance Navy because our low auto insurance rates and premiums fit perfectly in their budgets.

Payment plans for your low cost car insurance are readily available along with excellent customer service regardless of your driving history.

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Easy to Use Mobile App

Our mobile app can be downloaded on any smartphone. Insurance Navy proudly offers the option of paperless billing when it comes to your insurance payments, along with the option of scheduling your payment dates or plans.

We're also highly flexible with our payment methods and accept cash, credit, or debit cards. You can also manage your car insurance policy via our Mobile App, anytime or anywhere.

Ready for a Free Auto Insurance Quote from Insurance Navy? Get your Cheap Car Insurance policy today!

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Customer Reviews about Cheap Car Insurance from Insurance Navy

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Jake Jackson 5 weeks ago
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Look no further for low-cost car insurance! Insurance Navy was our answer! Alejandra was a gem! She was so professional and very patient with all my questions. I was so happy I came here!

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Flor Diaz 3 mins ago
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Great customer service from Rosie she was able to help get my 2 vehicles insured within minutes and low rates plus offered roadside assistance. Been coming here for a while now, in-person or over the phone, she’s been a gate help.

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Jaqueline Diaz 8 months Ago
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I have been coming to this location for many years. The price for full coverage is unbeatable - and the customer service is great.! I highly suggest you ask for Linda, she is so sweet , fast , and informative.

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Coraima Chapa 2 weeks ago
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I’m very pleased with their customer service. Brenda is super attentive and was able to answer all my questions. recommend 100%

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Rene Torres 1 Year ago
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I had such a great experience quoting online. I got a response in 1 minute literally 1 minute I was just looking forward to issuing the policy myself but as soon as she mentioned she could find me something more affordable I continued with her and glad I did !!! Thank you Silvia

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Saul Juarez 7 days ago
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Thanks to Michelle, very professional. Always takes care of her customers. Got me a really good monthly price on my car insurance! Definitely recommend!!!

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Rami Laila 4 months ago
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I was at State farm before i switched over to Insurance Navy. I didn’t believe the hype till I realized how much money i saved for the same great coverage. Linda Kawash was very helpful in making sure i got the best priced quote possible. Thank you!

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Individual experiences may vary.

How Does Car Insurance Work?

A car insurance policy is essentially a contract or commitment between an insurance company and a policyholder.

This contract is enacted once you settle on the affordable coverage you need. The policy a customer agrees on will outline all the terms of coverage and the deductible.

Once you agree on a cheap car insurance policy and types of coverage (and exclusions), you will begin paying your affordable monthly premiums.

Drivers should have an idea of what their auto insurance premiums will be prior to signing with an insurance company. This can be done so by getting free car insurance quotes to determine your annual rates.

A quote for car insurance is offered for free by insurance companies and gives an estimate of how much your auto insurance coverage will cost.

A Car Insurance quote is determined by a number of personal factors, like where you live, car type, marital status, credit score, driving history, and coverage term. More on how premiums are calculated will be explored later.

Paying your monthly premiums will keep your policy active for the set term, usually six or twelve months. Once the term is up, you will have the option of renewing your cheap auto insurance or finding a new insurance company.

Cheap Car Insurance Near Me

Hearing about low-cost auto insurance rates hundreds of miles away might not help you. Finding cheap car insurance near you from a company you can trust is important.

Insurance Navy is proudly providing cheap car insurance rates for all 50 states online and over the phone.

We have locations in the following states, Illinois, Indiana, Wisconsin, Texas, and California. You can meet with our highly trained insurance agents and get the cheapest car insurance quote for your vehicle.

Lower Your Auto Insurance Rates

Shopping for a Car insurance quote can get pretty pricey, depending on your circumstances.

Some things about your insurance rates can be customized while others you can't control. Luckily, there are a number of savings and discounts available that can lower your car insurance premiums.

Outlined below are some steps that drivers can take by getting cheaper car insurance rates and discounts.

Compare Low Cost Car Insurance Rates

Get the best price by doing research and comparing cheap car insurance quotes. It is important that you get an auto insurance quote, from several insurance companies. Look both locally and nationally for auto insurance quotes.

When you find an appealing cheap car insurance quote from a company, make sure you take the time to compare the different car insurance policies that are offered.

A good price for an insurance quote does not equal good coverage. You want to make sure you will actually be protected in the event of an accident or traffic collision.

Drivers who fail to check the fine print can put their affordable auto insurance coverage at risk.

Cheaper car insurance with better coverage is possible with Insurance Navy™.

Better Your Credit Score

Improving your credit score may take some time but could get you discounts on your insurance premium. Insurance for drivers with a poor credit score pay more for their car insurance premiums.

Drivers can take some steps to improve their credit score, such as paying their bills on time or using a secured credit card.

By improving your credit score, you will appear more financially responsible to the insurance company by having high credit-based insurance scores and getting more affordable auto rates.

Insurers will then see you as less of a risk being in higher credit tiers and possibly offer you discounts on your cheap car insurance. Doing this can really help you in the long run by getting better discounts and the cheapest car insurance quotes.

Downgrading Your Car

While driving a big fancy car may be appealing, you could be paying a lot to insure the covered vehicle.

Ask yourself if you really need the car you are driving. If it is becoming too costly to insure, you may want to consider downgrading to a smaller and more affordable motor vehicle. Rates for drivers on older and less expensive cars tend to be lower.

Once you have done so, inform your insurance company, and ask for a new car insurance quote. You could see some discounts on your cheap car insurance rates.

Stay Claim-Free

Not filing claims and safe driving is a great way to keep your insurance premiums low. After each collision insurance claim you file, your insurance premium rates will typically go up a bit.

At-fault accidents and the accumulation of property damage claims can make insurers view you as a high-risk driver by a company.

By being a smart and safe driver with a clean driving record, you will file fewer physical damage claims and can then keep your auto insurance rates low.

There may even be a chance of lowering your cheap auto insurance rates and getting discounts after an accident by taking a defensive driving education course following a collision claim.

Car Insurance Discounts

Car Insurance companies offer a wide variety of discounts. You should definitely take advantage of any free car insurance discounts when you can.

Don't be afraid to ask your insurance agent about discounts even if they are not listed on the insurer's website.

Insurance agents will be valuable resources in getting a cheaper car insurance rate especially since there may be more discounts you are unaware of.

Here are some common cheap car insurance discounts customers should be on the lookout for:

  • Good driver discounts

  • Student discounts

  • Military service member/veteran discounts

  • Senior discounts

  • Multi-policy, multi-car discounts

  • Low Mileage Discounts

Adjust Car Insurance Coverage

How high or low you set your coverage limits will impact your premiums. If you opted for a higher coverage limit, you could try lowering it for more affordable rates.

However, you must ensure that you are not going below your state's minimum level of liability insurance or collision coverage.

Vehicle owners want to make sure they still have enough coverage so that they will receive excellent protection in an auto accident.

Cheap car insurance rates are always appealing, but you never want to jeopardize your coverage for lower premiums.

Bundling Affordable Car Insurance Quotes

Many car insurance companies offer affordable premiums for customers who have multiple types of car insurance policies with them.

In this case, you could bundle your property insurance such as renters or homeowners insurance, and your auto insurance policy with one company.

By bundling insurance products, you may get cheaper rates and more discounts on your car insurance quote. Not every company offers this type of homeowner or renters discount.

Make sure to compare car insurance quotes, if you are interested in getting the most affordable rates, higher discounts, and the cheapest car insurance option.

Average Cost For Car Insurance

The average cost of car insurance can vary depending on many factors. There are a lot of factors that insurers use in determining every driver's auto rate.

Your auto premiums can vary greatly from your neighbors. However, it may still be useful to establish a baseline you can reference when shopping for the cheapest car insurance options.

On average, drivers pay around $1,600 annually for full coverage car insurance. That's an average monthly fee of around $133.

Your cheap car insurance quote can easily be above or below this average, especially if you are only paying for affordable mandatory liability insurance coverage.

Factors That Affect Your Car Insurance Rates

There are a number of factors that insurance companies use in order to establish your annual insurance premiums.

Keep these factors in mind when you are getting an affordable car insurance quote and begin budgeting for your new policy.

An insurance company will require this information at the time of requesting a car insurance quote.

Affordable rates and higher car insurance discounts are determined by the following methodology:

How where you live affects auto insurance quotes

Where you live will play a big factor in your car insurance rates.

Not only does your state and its mandatory insurance minimum coverage affect your rates, but even something as specific as your zip code can be taken into consideration.

If you reside in an area with a higher crime or accident rate, your quote will be higher. Factors like traffic volume in the area can also be taken into account.

How driving safety impacts car insurance quotes

When applying with the cheapest car insurance companies, they will typically investigate your driving record.

If you have no record or one with multiple at-fault accidents, a speeding ticket, other violations, or a DUI listed, your rates on your car insurance quote will be higher as you are considered to be a high-risk driver.

Insurance companies always offer the lowest rates for customers buying vehicle insurance with a clean driving record, who they see have lower risks of filing insurance claims.

How credit score impacts auto insurance premiums

Some insurance companies will take your FICO credit score in to account.

Credit scores, credit history, and your credit report are the best indicators of how financially responsible you are.

When you have a high credit score, you most likely pay your bills on time which is appealing for an insurance company. In turn, you will be offered more affordable auto rates and your quote will be lower.

However, if you have a poor credit score, you may pay a higher price for auto insurance coverage.

Insurance Navy is one of the few insurance companies that can offer the cheapest car insurance quote with no credit check necessary.

How age and gender affect car insurance quotes

In many states, both your age and gender can be factors when determining your insurance coverage rates.

Teen drivers and the elderly are the ones that pay a higher price for coverage. This is due to the fact these teen and older drivers tend to get into more accidents.

When it comes to gender, men see higher prices for insurance policies than women as they have a habit of engaging in risky behavior.

Insurers can even take your marital status into account when calculating the cost of your quote. Keep this in mind when shopping for a car insurance quote from cheap car insurance companies.

Vehicle type and auto insurance quotes

The car you drive will impact your insurance rates.

Some cars, trucks, vans, and SUVs are just more expensive than others to insure. This can be due to the availability of parts and the car's safety features.

What has been outlined above are just some of the factors that will be taken into consideration when searching for cheap auto insurance quotes.

Some other things insurance companies look for include the amount of coverage you want and your history of insurance with another company.

How Much Insurance Does Your Car Need?

Setting your coverage is a big part of purchasing an auto insurance policy.

Coverage limits are the maximum amount of money your insurer will pay in the event of a claim.

For example, if your vehicle has $30,000 worth of damage but your comprehensive coverage limit is set at $20,000, there is $10,000 worth of damage not covered in an accident.

How much coverage you need is dependent on your state's laws and your personal needs.

You must carry at least the state-mandated minimum coverage, but you can always purchase higher limits if you feel you need more protection.

Accidents can be very pricey, but don't sacrifice collision coverage for the cheapest insurance rates.

It is not recommended that you strictly rely on the state-mandated insurance minimum liability coverage and not also purchase comprehensive auto insurance.

It is highly unlikely that purchasing only liability insurance will provide you with enough coverage. Keep comprehensive insurance in mind when shopping for a car insurance quote online.

Understanding Car Insurance Coverage Limits

Car insurance coverage limits are expressed on policies as a string of three numbers.

For example, you will most commonly see them written out as either: 15/30/15 or $15,000/$30,000/$15,000.

Each of these numbers correlates with a specific liability insurance coverage amount.

They represent bodily injury per person, bodily injury per accident, and property damage, respectively.

Reading insurance coverage breakdowns will be beneficial for understanding the full scale of coverage for the affordable auto policy you purchase from the cheapest company.

Keep your liability coverage limits in mind when shopping online for a car insurance quote.

Frequently Asked Questions

How do I get affordable car insurance?

Finding the most affordable car insurance rates for you can be done by getting a car insurance quote and analyzing multiple policies. You should look into as many companies as you can to find the lowest rates.

Insurance Navy shops around from multiple insurance companies to find you the lowest auto insurance rates. Each sets its own rates and offers a variety of discounts.

Finding a car insurance quote that fits nicely into your financial budget and offers good quality coverage is absolutely possible with Insurance Navy.

How do I get the cheapest car insurance quote?

Many insurance companies, including Insurance Navy, offer free car insurance quotes. Getting the cheapest car insurance quote can be found either online, in person at a company's storefront, or over the phone.

You will typically need to just provide your name, location, and facts about your vehicle in order to get a quote. Keep in mind that quotes are just an estimation of what you could be charged for the cheapest coverage.

Are car insurance quotes free?

Yes, car insurance quotes are typically free. Charging for a car insurance quote usually is not a good business strategy, so many insurance companies opt to offer them at no charge to you.

This goes for Insurance Navy as well. We offer free car insurance quotes that anyone can get in just a few clicks. There are no fees or catches when shopping for the lowest rate.

How much will cheap car insurance cost me?

How much you will be paying for affordable car insurance coverage depends on a variety of personal factors. Average rates nationally for drivers are around a $1,400 annual rate for car insurance.

Rates for drivers may be lower or higher than this, depending on factors like where you live, what kind of car you drive, annual mileage, coverage levels, and your driver profile. It would be best to get multiple quotes and ask about discounts to see how much you could be spending for the cheapest car insurance rates.

How much car insurance do I need?

At the very least, you need to carry your state's mandatory insurance minimums, commonly known as liability-only insurance. Beyond that, it is really up to you regarding how much comprehensive insurance you want to carry.

It is highly recommended that you carry well beyond the required liability insurance coverage. Other types of insurance you should consider purchasing are uninsured motorist coverage and personal injury protection. You do not want to leave yourself or your finances at risk of not having additional coverage following an automobile accident.

What is car insurance?

Car insurance provides you with protection following an accident. It can offer both you and the other driver coverage for property damage liability and bodily injury liability, depending on the coverage options you choose for your policy. It is a very vital piece of insurance to carry.

Do I need car insurance?

Yes. Nearly every state in the country requires drivers to carry a certain amount of car insurance in order to be considered legal drivers.

You must not only abide by these laws but also carry enough insurance to protect yourself in the event of an unexpected tragedy. You have a very important responsibility as a driver to carry proper affordable auto insurance.

What happens if I don't have car insurance?

If you fail to provide proof of auto insurance in a state that requires it, you could be facing a number of penalties as an uninsured motorist. Penalties can include license suspension, vehicle impoundment, fines, and possible jail time.

Don't drive uninsured, get affordable coverage from a trusted auto insurance company like Insurance Navy.

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