Auto Insurance

The secret is out!

We help automobile owners insure their cars and trucks at the lowest costs nationwide.  Seriously, our partners have found a loop-hole that can sell auto insurance policies at EXTREMELY discounted rates.

We sell A LOT of cars here at Salvage Auto Deals.  This has led to some pretty incredible partnerships in the Auto Insurance space.  The average cost of car insurance is $1,426 per year, or $118.63 per month. Auto insurance costs vary widely based on individual rating factors, but we created an “average” user profile and gathered rates from major insurers to develop these figures.

Are you paying somewhere around $100 per month or more for your car insurance?

If so, we have good news.  Our partners have been able to save most people up to 95% on their auto insurance policies.  The average policy on a newer vehicle is under $10!

How do they do this?

They offer comprehensive insurance policies that aren’t suited for just everyone.  Only 65% of people that apply are approved.  Through this selection process, they end up getting lower risk candidates.  This means that everyone that’s grouped together has a lower risk than other auto insurance companies.  This is why they can offer lower rates… because of lower risk.

Who wouldn’t like to get the cheapest auto insurance while still having peace of mind?

This is exactly what we help you do here at Auto Salvage Deals.


Car Insurance Average Prices

The cheapest car insurance will often be the minimum coverage required in your state, which in most states is liability insurance. Liability insurance covers property damage and medical bills for others due to accidents you cause. Some states require additional or alternative coverage, such as personal injury protection.

Full coverage car insurance is more expensive and often comes with a deductible, a set amount you are responsible for if you file a claim. But it also provides more expansive coverage for your car, like if it’s stolen or damaged, whether by you, a hit-and-run driver or a fallen tree.

To get an idea of the cheapest car insurance rates, period, we looked at quotes from available carriers for the minimum required insurance in each state. Then, we compared it to the average cost of full coverage car insurance to show the difference in cost.

StateAverage annual price: Minimum required coverageAverage annual price: Full coverageAnnual difference
District of Columbia$842$1,558$716
New Hampshire$495$1,041$546
New Jersey$1,095$2,069$974
New Mexico$576$1,416$840
New York$1,161$2,017$856
North Carolina$527$1,027$500
North Dakota$393$1,148$755
Rhode Island$977$2,017$1,040
South Carolina$524$1,167$643
South Dakota$330$1,083$753
West Virginia$635$1,501$866

Data from: NerdWallet

Average rates can give you an idea of pricing in your state for minimum or full coverage car insurance policies, but that says little about the companies available to you.

At Salvage Auto Deals, our partners can beat these average rates by a MILE!

Main Purpose of Auto Insurance


Most people think the main purpose of car insurance is to pay for your damages after an accident or to replace your car if it gets stolen.

While that is one benefit to auto insurance, it’s not the main purpose.

The main purpose of auto insurance is to provide liability protection in case you injure or kill someone during a car accident or cause damage to other people’s property.

All 50 states legally require you to carry a minimum amount of this liability insurance. They don’t care whether you have insurance to protect damages to your own car.

There are 4 main parts to an auto insurance policy – not all of them are legally required. Let’s take a look at them in detail.

1. Bodily Injury and Personal Property Liability (Required in All 50 States)

This insurance pays damages for other people’s injuries or deaths caused by an accident that is your fault. It also covers any damages caused to property.

It will cover things such as medical bills, lost wages, pain and suffering. All 50 states require a minimum amount of liability coverage, however, these minimums are usually not adequate. If you cause more damage than what is covered, your personal assets will be at risk.

This type of liability coverage is usually presented in a series of 3 numbers such as:100/300/50

In this example, your coverage would pay up to $100,000 for injuries caused to any one person. If there are multiple people injured, the insurance will pay out a maximum of $300,000. The final number indicates the amount that will be covered for property damage – $50,000.

It is recommended that you have at least 100/300/50 of liability coverage in your auto insurance policy.

2. Personal Injury Protection (Required in Some States)

This coverage pays for your own medical expenses and lost wages as well as your guest passengers if injured during an accident.

If you already have good medical and disability policies, you may not need this type of coverage (See: Should You Get Medical Payments Coverage?). Several states allow you to reject this type of coverage entirely.

3. Collision and Comprehensive (Not Required)

Collision provides coverage in case your car is damaged as a result of any kind of accident, such as crashing into another vehicle or into a utility pole.

Comprehensive covers your car in case it gets stolen or is damaged by natural disasters.

You can elect not to have collision or comprehensive in order to save money. This works if your car is not worth much and you don’t mind taking the risk to cover any damages yourself.

4. Uninsured Motorist (Required in Most States)

Provides protection if you’re involved in an accident where the other party does not have insurance or doesn’t have enough to cover your damages.

It also protects you in the event of a hit-and-run accident.


Information sourced from and