The absolute cheapest insurance policy you can purchase is typically state-minimum liability-only auto insurance or basic renters insurance. Liability-only car insurance covers bodily injury and property damage you cause to others without paying to fix your own vehicle, making monthly premiums remarkably low (often $30 to $60 per month for safe drivers). Similarly, renters insurance covers personal property and liability, usually costing between $12 and $20 per month because it excludes structural dwelling coverage.
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