Very Cheap Car Insurance, No Deposit – How I got lucky

I guess you could say I was really lucky that I got the car in the first place. My mom bought a new car and gave her old one to my older sister. So, my sister’s old car came to me. I didn’t really mind that it was a hand-me-down kind of situation. My sister has a kid and everything and I’m still in school so she needed the newer, more reliable car. I was just glad to finally have some wheels of my own.

Having a car when I was away at school opened up a lot of opportunities for me. First of all, my social life took off because I could actually venture off campus without begging for a ride or relying on the bus. People started begging me for rides but I didn’t mind. I was also able to get a much better job because now I had the opportunity to go off campus to find something that paid a little more than the work study I had been doing. I’d be fine with money once I went back to school and started working.


That was later, though, after I already worked out all the details. Before I could take it to school in the first place, I’d have to get insurance. And not just any insurance. Here’s what I needed: very cheap car insurance no deposit. I felt like that was asking a lot. I have to admit, I didn’t really have high hopes. I’d already worked out how I was going to butter up my mom to lend me the money, even if it meant I didn’t get any Christmas presents that year. Or the next one.

So who has the cheapest auto insurance?

I asked around. Most of my friends had a lot of great suggestions for companies to contact. I didn’t even bother to ask about a deposit because I just assumed that I’d have to pay one. Then one of the guys in my dorm just casually mentioned that his company didn’t even charge him a deposit. Everyone else chimed in that they didn’t have to pay one either.

I was stunned. I mean, I just assumed I was going to need a deposit. Looking back, though, I realized that no one ever told me that. I jumped to the conclusion that very cheap car insurance was like a unicorn or something. Turns out, it’s not as elusive as you might think.