Insurance Car Insurance Car Insurance Basics About That $19 Car Insurance Offer It may be too good to be true, but you still can save money By Emily Delbridge Emily Delbridge Twitter Emily Delbridge is an authority on car insurance and loans who contributed to The Balance for nine years. Delbridge is a licensed Personal Lines Insurance Agent who has been in the insurance business since 2005. Since joining the industry, she has significantly contributed to the book of business for independent agency, Great Michigan Insurance. learn about our editorial policies Updated on November 30, 2021 Reviewed by Anthony Battle Reviewed by Anthony Battle Anthony Battle is a CERTIFIED FINANCIAL PLANNER™ professional. He earned the Chartered Financial Consultant® designation for advanced financial planning, the Chartered Life Underwriter® designation for advanced insurance specialization, the Accredited Financial Counselor® for Financial Counseling and both the Retirement Income Certified Professional®, and Certified Retirement Counselor designations for advance retirement planning. learn about our financial review board Fact checked by Ariana Chávez Fact checked by Ariana Chávez Ariana Chávez has over a decade of professional experience in research, editing, and writing. She has spent time working in academia and digital publishing, specifically with content related to U.S. socioeconomic history and personal finance among other topics. She leverages this background as a fact checker for The Balance to ensure that facts cited in articles are accurate and appropriately sourced. learn about our editorial policies Share Tweet Pin Email Photo: Image Source / Getty Images If you've seen the advertisements for car insurance costing as little as $19 a month, you may well have asked yourself, "True or clickbait?" The answer is...both. These ads link to sites offering to find you the lowest monthly premium available to you. Someone somewhere may be eligible for insurance that costs as little as $19 a month. But, chances are, it's not you. The key phrase is in these ads is, "as little as." Key Takeaways Advertisements that promise car insurance for as little as $19 per month sound too good to be true…and usually are.While someone somewhere may be eligible for the $19 car insurance offer, chances are that your rate will turn out to be much higher.Check any company promising a $19 monthly car insurance bill on the Better Business Bureau website to see reviews and complaints.Remember other ways to save money on car insurance, such as shopping around, checking your credit, and reviewing your coverage and deductibles. The $19 Auto Insurance Websites If you're curious about that $19 deal, just type “$19 car insurance” into a search engine and see what pops up. You'll get a site or sites offering a comparison of insurance company quotes. Some offer an online comparison, which requires you to enter answers to a number of questions about yourself as well as your vehicle and how you use it. Some sites urge you to call a customer representative. Note As in any web shopping expedition, be cautious about who you're dealing with, whether you're entering information online or talking to a representative on the phone. The insurance companies whose quotes are used are legitimate. The website you're looking at—or the person you call—may or may not be. Just for the record, we tried to find that $19-a-month car insurance offer by stacking the deck on one site. The quote requested was for an older woman with a modest vehicle and an exemplary driving record, living in a state with the lowest average insurance costs (North Dakota). None of the results was close to as low as $19. So, does that mean a $19 monthly car insurance bill is impossible? It's hard to say absolutely, but at the very least it's highly improbable. If you do come across a quote that low, you may want to check out what the Better Business Bureau has to say about the company offering it. How to Pay Less for Auto Insurance You may not be able to get car insurance for $19 a month, but that does not mean you cannot save money—maybe even substantial amounts of it. Here are a few tips– Shop around: This one is obvious. Get quotes from at least five different insurers. Ten is better. You will be surprised at the range of prices. Check your credit: Car insurance companies typically check your credit score. The better your credit, the lower your car insurance cost. Try to maintain a clean credit record and make sure to correct any errors you find. Reduce your coverage and raise your deductibles: Dropping some options or raising the amount of the deductible, or both, will save you money. Just make sure you're prepared to cover the out-of-pocket expenses you'll incur if you have an accident. One easy choice is to drop collision coverage on an old vehicle that might not be worth an expensive repair. Take all the available discounts: Insurers offer all sorts of discounts, particularly for drivers with good safety records. But some offer discounts to good students, recent graduates, auto club members, professionals in low-risk jobs, and more. You'll nearly always save by bundling different policies with the same company. Drive safely: There’s no better way to save on car insurance. The Bottom Line It's always a good idea to review your insurance policies annually and shop around to make sure you're getting the best rates. Feel free to use these sites as a way to shop, but always be careful—and do your own research before you sign up for the next great deal. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Insurance Information Institute. "Facts + Statistics: Auto Insurance." DC Department of Insurance, Securities and Banking. "How an Insurance Company Can Use Your Credit Score to Determine Your Premium."