How Much Car Insurance Do You Need | 4 EASY STEPS

Are you confused about car insurance? Did you select the same coverage as what your parents had because, idk it’s confusing as heck? In this video, I’m going to walk you through the exact steps to figure out how much car insurance you need. Spoiler alert: you have the potential to save big money so stick around.

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0:00 – Confused about car insurance?
1:25 – 3 types of car insurance
1:40 – Liability insurance
2:22 – Comprehensive coverage
2:44 – Collision insurance
3:33 – What if I have a car loan?
3:56 – How to determine how much car insurance I need
4:40 – Example of my car insurance
6:50 – Important note you can’t ignore!
8:19 – Changing the collision deductible
9:31 – Why changing the deductible changes your premium
10:30 – Get multiple car insurance quotes
11:05 – Useful tool for car insurance quotes
12:22 – Optimize your car insurance coverage
14:00 – How your driving history impacts insurance
15:15 – Recap

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How Much Car Insurance Do I Need

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🎬 OTHER DFM VIDEOS YOU MIGHT ENJOY
4 Different Types of Car Insurance | What You NEED to KNOW – https://youtu.be/FVV-upFY-fY
The BEST Car Insurance Comparison: Complete Gabi Review: https://youtu.be/FUkAUdePvqE

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Disclosure: Links contain affiliates. When you buy through one of my links, I will receive a commission. This is at no cost to you and helps support my channel! Justine Nelson is not a licensed car insurance agent. This video was provided as an educational resource to help you understand different types of car insurance.
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The data is out and in today’s video I discuss the top 10 cheapest car insurance companies in the US. We discuss prices and how accurate these reports are.

#insurance #bestinsurance #cheapinsurance

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00:00 Chapters – Cheapest Car Insurance
00:35 Warning and Data Resources
1:58 Recommendation for Savings
2:23 Cheapest Car Insurance Company Overall
4:30 Cheapest In General
7:50 Cheapest States for Car Insurance
8:22 Highest States for Car Insurance
9:10 Cheapest Car Insurance Companies for State Minimum coverage
10:28 Cheapest Car Insurance by age
11:32 Cheapest Car Insurance by credit score
12:50 Cheapest Car Insurance with a DUI
15:00 Cheapest Car Insurance Summary – My Picks

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DISCLAIMER:
Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.

This video and description contain affiliate links, which means that if you click on one of the product links, I will receive a small commission. This helps support the channel and allows me to continue to make videos like this. Thank you for the support! Car insurance advice, car insurance, auto insurance, home insurance, homeowner’s insurance

Comments

  1. You should make a disclosure that you are not licensed insurance consultant, agent, or broker, and people should advise with a trusted licensed professional, after watching your video.

  2. Thank you so much! I am buying car insurance today and this is so helpful!!! Clear, bright- love the notes and time stamps! I feel much better about choosing the insurance now.

  3. Great video.
    I’m an insurance broker and I would suggest my clients do the same. But instead of robot websites, I’m able to manually design the best fit coverage for clients.
    Like all other things. Insurance is not one size fit all type.

  4. Based on your numbers I would have put the deductible at $100. Do you think you can go 9 years accident free to make up the cost? Its almost an easy-pay premium. An extra $100 a year and you dont spend $900 in deductible. For those tight on cash thats the real way to go. Just another $8/month or you get stuck with a random $1,000 bill. Choice should be clear.
    I had 2 accidents this year, my first ever, one not at fault and one comprehensive, and my deductible was $50. I pay greatly for it maybe $100 more a year, however now ive already saved $1,800 this year.

  5. Excellent video! However, if you are a new driver (recently got your license), you are going to pay $300 monthly. I cannot find any cheaper quotes for me. It’s very frustrating 😢

  6. Thank you soooo much!! This was so helpful! I had no idea what coverage to get and you cleared it all up! Thank you again for the great video! 🙂

  7. Hello. I entered all of my personal data and info required to get an auto and home policy quotes about 3 hours ago but have not received a quote nor has anyone contacted me. Please advise if I have not filled in something accurately and when will I be receiving a quote. I am under a tight deadline to get this done today. If you can't provide a quote for some reason, please delete my record and my information. Thanks in advance for your help.

  8. Car insurance is a joke…soon as you get into a accident..boom..law suit. Look into protecting your assets with a LLC and put your car in that.

  9. Which one would you recommend if you have two kids 1 got a traffics ticket and the other one has an accident? GEICO wants to raise our premium to almost 5000 for 6month here in Florida for first ticket and first accident so I wouldn’t consider them good

  10. All Stores 900,000 Please Lower the price of all Brands of Military Equipment and Local for All Brands of Auto insurance companies Now,900,000 That's Too Much $$ 900,000 Now The Whole World 900,000 Now 🙏 🤲 🕍

  11. The chapters are great thank you, also what are the main complaints with Geico if you dont mind me asking? Are the complaints mostly from older clientele? Im in Colorado btw

  12. Today is September 1st 2022 my policy ends on September 8th 2022 and my policy right now is really high it's $1,200 for 6 months for liability and they want $400 down I am with Progressive so I called to get a policy review and hopefully to get my prices down since I have nothing on my record I'm 49 years old clean record bad credit anyway because of my bad credit they made my price up which is ridiculous as you know but I just got off the phone with them and she said that their pricing has gone up and I said why and she says because of the economy we're raising our prices because of the economy we have to cover the economy prices well you know what a line of crap that is they are not affected by the economy and how many people that pay full insurance for years and years never putting in a claim not once just pay where's all that money you see these people look for any reason to up the price you have an insurance laps how many months how many points that's how much we can charge you extra you have bad credit we can charge extra you have an extra earlobe we can charge extra it's just reaching and it shouldn't be legal what are they really covering our car and our person and maybe even the other person it all should be based on your driving record and nothing else period End of story! I pray that God searches the heart of everyone involved in insurance check them for their greed and start making them accountable because as much as we think they're getting away with it nothing goes unnoticed with God because this is just pure greed it's disgusting it's a business and It's upsetting if you actually made it to the end of my rant I want to thank you for listening very much wishing you all a blessed day

  13. Hey man i have chevy silverado 1500 2005 model. Paying 98 per month for just liability with state farm. You think i can go lower woth other companies. I live in dallas . Found a lot of unknown cheap companies from internet but hesitant with them. Thanks in advance.

  14. I never understood why they look at your credit score when they should be more concerned with the number of tickets and accidents.

  15. I’m in Houston, Harris county
    68 and 71. Looking for auto and home insurance right now. Currently with Allstate. Any good ones ?

  16. I’ll just keep my progressive. I have full coverage & gap insurance (through someone else) & I have allot of tickets. I have road side assistance too I pay $319 & that’s including renters insurance. I live in Nevada.

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