In addition to choosing cheap to insure family cars for 2015, there are a number of ways to lower your family’s car insurance premiums. Many carriers offer discounts if you’ve been with them for a while and renew. You can also get discounts by using the same company to insure your home. Keeping your driving record clean by avoiding traffic tickets and accidents is a huge factor. If you have younger drivers, they are eligible for discounts with some companies if they’ve had driver training, and/or maintain a 3.0 grade point average. Going with a higher deductible will result in lower premiums too – if you’re open to taking on more risk. Still though, the primary factor is the car you choose to drive.
How We Choose Them
To assemble this list of cheap to insure family cars, we consulted the Insure.com Website to find family oriented vehicles with average annual premiums below $1400. These are cars capable of transporting a family of at least four in comfort. To get the quoted rates, Insure.com determined the average of what six of the largest insurance carriers would charge to fully cover a 40-year old male with a 24-mile daily commute, a clean driving record, and good credit. ZIP codes were also a factor because of the potential for theft.
The sample policy’s provisions include uninsured motorist coverage, a $500 deductible; $100,000 for injury liability for one person, $300,000 for all injuries, and $50,000 for property damage in an accident (also known as 100/300/50 coverage).
Based upon those considerations, here’s a selection of cheap to insure family cars for 2015…