What are some reliable and affordable options for purchasing cheap auto insurance, and are there any specific tips for reducing premiums while still getting adequate coverage?

Insurance companies can use your credit score to determine your premium, so maintaining a good credit score can lead to cheaper rates.

Most states have a minimum liability coverage requirement, which is typically much cheaper than full coverage.

Independent insurance agents can compare rates from multiple companies, potentially saving you up to 15% on premiums.

Taking a defensive driving course can reduce your premium by up to 10% in some states.

Bundling policies, such as home and auto insurance, with the same company can save you up to 20% on premiums.

USAA, a company only available to military members and their families, offers some of the cheapest auto insurance rates, with an average monthly premium of $144.

The Zebra, an insurance comparison website, analyzed over 83 million insurance rates to determine the cheapest auto insurance companies.

State Farm is the cheapest national car insurance company for liability-only coverage, with a monthly premium of $50.

Some insurance companies, like Geico, offer discounts for good students, members of certain professional organizations, or drivers with certain safety features in their vehicles.

Shopping around for quotes from different companies can save you up to 30% on premiums, according to NerdWallet.

Insurance companies use actuarial tables to determine premiums based on factors such as age, location, and driving record.

The cheapest auto insurance companies can vary depending on your location, with some companies offering cheaper rates in certain states.