Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with 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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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 16, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Comparing car insurance quotes online saves time and money
  • Most insurance companies add all car insurance discounts to your policy at the time it is purchased
  • Setting higher coverage limits means additional peace of mind, but it also means paying more each month for protection you may not need

Many car insurance companies want to take away your new television, your family vacation, or even your nights out having a good time.

They would rather you spent your extra money on expensive premiums than on the things you love.

Fortunately, you have a way to separate the insurance quotes with a high price tag from the affordable quotes with essential coverage.

The trick is to use an auto insurance comparison site to distinguish the best deals from the overpriced rip-offs.

Enter your zip code above and compare affordable car insurance quotes instantly!

Table of Contents

Getting Affordable Car Insurance Quotes

A car insurance comparison site does all of the hard work for you.

Instead of phoning multiple insurance companies and trying to explain the coverage you need, and then turning down an annoying up-sell, you can relax in the comfort of your home or office and take the time to review policy details.

Compare quotes from the top car insurance companies and save

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How Comparison Sites Work

Free car insurance comparison quotes begin with a simple process:

  • You fill out a quick preliminary application. You will be asked about where you live, the type of vehicle you drive, how much coverage you need, and what deductible you would like.
  • The system relays this information to a network of auto insurance carriers who understand your insurance needs and want to compete for your business.
  • If you qualify for a policy from a particular car insurance company, the company will tell you how much coverage would cost.
  • Because the same details go to all carriers, you can make an accurate, apples-to-apples comparison of the quotes that are sent back to you.
  • To get same-day coverage, complete the application with the carrier you choose and submit your first payment.

Through a car insurance comparison site, you will have all of the information you need to make an informed decision.

You have control over choosing the insurer that best meets your needs and your budget.

Money-Saving Tips

Comparing quotes saves money, but this process can be combined with other actions to shave hundreds of dollars per year off the cost of auto insurance.

Some essential tips for getting affordable car insurance quotes are listed below:

Ask for Discounts

Most insurance companies add all car insurance discounts to your policy at the time it is purchased, but some companies hold back until a particular discount is requested.

For example, an insurer can tell that you have not had any accidents or tickets within the last year, so you deserve a safe driving discount.

At the same time, the insurer does not know that you could also qualify for a good student discount unless you reveal that you are attending school.

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Common discounts include:

  • Multiple Vehicle Discount – having more than one car, truck, SUV, or motorcycle insured on the policy
  • Multiple Policy Discount – purchasing car insurance and homeowner/renter insurance through the same company
  • Safe Vehicle Discount – owning a vehicle with airbags, anti-lock brakes, and anti-theft devices
  • Driver Training Discount – passing a recognized defensive driving or driver safety course that was not court-ordered
  • Annual Payment Discount – choosing to pay for a year in advance instead of making monthly payments
  • Electronic Statements Discount – choosing to receive policy disclosures and billing statements via the Internet instead of through postal mail

Reduce Automobile Coverage

Setting higher coverage limits means additional peace of mind, but it also means paying more each month for protection you may not need.

Most car insurance policies segment car insurance coverage into two categories:

  • Collision – covers accidents whether or not they are your fault
  • Comprehensive – protects a vehicle against theft, vandalism, hail damage, fire damage, and other acts of nature

At the same time, low coverage can be a financial disaster if the policy does not provide enough protection to replace expensive parts.

Affordable auto insurance quotes should be based on the lowest limits that meet the state’s minimum requirements but still provide enough financial power to pay for damages.

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Increase Deductibles

Each segment of car insurance coverage generally has its own deductible. Switching from a $500 deductible to $1000 or more can drop car insurance premiums to an affordable level.

The deductible is the amount a driver must pay out of pocket before an insurance company will pay.

At the same time, the deductible should never be set so high that it cannot be paid during an emergency.

Remove Extras

Certain portions of an auto insurance policy are critical while others are optional.

Consider the following questions before purchasing coverage:

  • Do you need the rental car reimbursement option, which provides a rental car while your vehicle is being repaired? Some drivers choose to borrow a friend’s vehicle while their own is in the shop?
  • Do you need the towing package, which pays for a tow to a local service station or garage if you become stranded? Some people already pay for AAA membership, so they would be paying for duplicate assistance by purchasing this option?

Comparison Shopping

As you can see, comparing affordable car insurance quotes is a gateway to quality coverage at a low cost.

Comparison sites not only let you see the insurers fighting for your business but also let you customize the collision coverage, comprehensive coverage, and policy deductibles to fit your lifestyle.

Getting affordable car insurance quotes is not as complex as insurers would like you to believe.

y comparing free quotes, having companies compete over your business, demanding discounts, and tweaking coverage limits and deductibles, you could be driving away with a lot more cash left in your bank account.

Don’t wait! Enter your zip code below and start comparing car insurance quotes for FREE!

References:

  1. https://www.consumerreports.org/cro/car-insurance/buying-guide/index.htm
  2. https://www.esurance.com/info/car/insuring-multiple-cars-on-a-single-policy
  3. https://www.allstate.com/auto-insurance/auto-life-discounts.aspx
  4. https://www.allstate.com/renters-insurance.aspx
  5. https://www.aarpdriversafety.org/
  6. https://www.esurance.com/info/claims/vandalism-claims-and-how-your-car-insurance-can-help
  7. https://midatlantic.aaa.com/membership