Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
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UPDATED: Oct 1, 2020

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To obtain car insurance usually requires a down payment which eases the minds of insurance companies when delivering this type of product. However, you can obtain no down payment car insurance if you know the right methods.

Easy Ways to Get No Down Payment Car Insurance:

Benefits and How to Get Car Insurance with No Down Payment

The good news is that you can find car insurance without down payment if you follow the right methods and qualify. There are too many people who are in a position to avoid paying a down payment overlook the option of going without one which could save them a little money up front.

Employer: There are insurance companies that have no down payment policies with certain employers. You should talk to the human resources department of your employer to see if they have such a relationship with an insurance company. Quite often, these relationships extend to getting personal car insurance without having to make a down payment.

Auto Pay Plan: By going on an automation payment schedule, your insurer will be more willing to forego a down payment. In fact, there are some insurance companies that actually offer discounts if you go with an automatic payment plan that will save you money in the long run. When making your search, be sure to include checking out the auto payment plans of different companies.

Single Installment: You may also be able to obtain auto insurance with 0 down payments if you agree to make the entire payment at once rather than spread it out over several months. In this manner, the insurance company gets the entire sum which forgoes the need for a down payment. In addition, single payments often save money over paying by month so you get to keep more money as a result.

Negotiate: Most insurance companies will have a little wiggle room when it comes to getting your business. If you are willing to make some compromises, the insurance company may be willing to lower or even toss out the down payment. In order to negotiate in this manner, you will need something on your side such as a good credit rating or a willingness to pay for a number of months up front in order to obtain no down payment.

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Comparison Shopping and Saving

In order to get no or low down payment car insurance, one proven method is by comparing free quotes from at least 3 or 4 different companies. In this manner, you can find the one that will offer you this type of discount for your car insurance. The women have the edge while getting affordable car insurance. Statistically, they are prone to lesser number of accidents which result lower premium for them, click here to learn more.

You will also want to check out the different options of the insurance companies to see if they indeed have a no down payment policy and what it takes to meet the qualifications. A little research on your part may reveal methods that an insurance company has made available for you to avoid making the down payment.

You’ll also want to talk to the agent or company on the phone to see if there are any hidden methods that might save you from having to make a down payment for your auto insurance. The best thing about us is, you can get free quotes from different reliable companies from one source and compare them at the same time.