Finding the Best Places to Compare Car Insurance

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Key takeaways...
  • There are several ways to compare car insurance premiums
  • You’ll need some basic information on hand before you start collecting quotes
  • A little research into auto insurance can save you some time and money when you go to get your quotes

The Internet makes it much easier to compare auto insurance than it used to be. No more meetings with several insurance agents just to get a few quotes. Now you can get all the information online in one afternoon.

We make the process even simpler and easier. Keep reading to find out how and also why you should be comparing auto insurance rates.

Start comparing car insurance now for FREE just by entering your zip code in the box above!

Before Searching Online

While you can still call either insurance agents or the companies themselves to get rates, the Internet makes the process even faster.

Nearly all insurance companies now have websites. While current clients can use the sites to access their account information, potential customers can get quotes from the company as well.

You’ll need some basic information on hand before you start collecting quotes. You’ll need the names, birthdates, and driver’s license numbers of all the drivers who will be on the policy.

You’ll also need the VIN for all the vehicles.

The VIN can be found on your current insurance policy or on the driver’s side of the front windshield.

It will also be helpful to have a list of the safety features on the cars. This is so that you can make sure the companies take these into consideration when they calculate your quote.

You’ll also need to figure out how many miles you drive each year. If you’ve taken a defensive driving course in the last year, have information ready regarding the place and date you took the course.

It’s also a good idea to know what kind of coverage and policies you are wanting before starting the process.

If you are unsure exactly what the different parts of an auto insurance policy are and what coverage you need, the National Association of Insurance Commissioners has put together a helpful Guide for Consumers.

Use This Website

The Internet also provides a shortcut to looking for auto insurance rates. Sites like this one do most of the work for you.

At CarInsuranceCompanies.com, you only have to enter all that information once. We take your information, find great companies that operate in your state, and send that information to them for you.

Within minutes you’ll have a collection of quotes to compare.

Because we do some of the research for you and reduce the amount of typing and entering of information, we save you lots of time and save you from any potential hassle.

Save Money

What are some reasons you would compare auto insurance rates? First of all, it can save you a lot of money.

Insurance companies use a lot of different pieces of information about you to determine how much they would want to charge you for coverage.

How old you are, how many accidents or tickets you’ve received, your gender, and where you live, all play a role.

Insurers also look at the kind of car you drive. Some cars cost more than others to insure.

Either they are very expensive and would be expensive to replace, or they are really fast, and so pose a greater risk to the company.

Excessive speed has been shown to contribute to a higher number of accidents.

On the other hand, cars with a lot of safety features can bring down the price. Most companies give discounts for cars with features like airbags and anti-lock brakes.

Even your credit history plays a part. As the Insurance Information Institute says, your credit scores are a pretty good indicator of how big a risk you are to an insurance company.

Insurance companies take all of these factors and use them differently. The difference in cost from one company to another can be as little as a few dollars to several hundred dollars a year.

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Find More Discounts

Another reason to compare multiple insurance rates is to find more discounts. If your current company seems a little stingy with the discounts, do some searching with other companies.

You might be surprised at how much you could save by taking advantage of these.

For example, if you currently have your auto insurance somewhere that doesn’t also offer homeowner’s or renter’s insurance, you could be wasting a lot of money.

Most of the time, when you buy multiple policies from one company, like home and auto, you’ll get a good-sized discount on both.

The same thing goes for items like boats, RVs, and motorcycles. Usually, having them all covered by one company is cheaper than having a separate policy for each.

Some other discounts to ask for are:

  • Safe driver
  • Good student (if there is a high school or college student on the policy)
  • Multi-car
  • Paperless billing
  • Automatic payment
  • Defensive driving course
  • Occupation (i.e., if you are in the military, some companies discount for this)
  • Paying premium in full

Find Better Service

Many people are searching for a new auto insurance company because they are dissatisfied with the level of service they are currently receiving.

But how do you know if the new company will be any better? Fortunately, there are many good ways to gather this information. It just might require a little bit of time.

However, you’ll thank yourself later if you find yourself in an accident and receive help and prompt payment from your auto insurance company.

One good place to look is J.D. Powers & Associates. This company ranks insurance companies based on customer satisfaction data.

If you choose any of its highly ranked companies, you’ll probably be very satisfied.

Companies like A.M. Best can also give you a ranking based on financial strength.

You can also check with your state government’s department of insurance website. They will list the companies that have licenses to sell insurance in your state.

Another good idea is to call your mechanic or body shop and ask which companies are the easiest for them to work with.

Find a Better Policy

Sometimes you just need to find a policy that better fits your needs. Before making large-scale changes to your current policy, take this opportunity to compare rates with other companies with those new changes.

If you’ve been carrying just the minimum amount of insurance the state requires, maybe you’ve realized that this isn’t enough protection for you and your family.

After all, most experts recommend that you have at least 100/300/50 levels of liability, which is far more than any state requirements.

Or maybe you’ve just replaced your old beater with a new car and all of a sudden you need comprehensive and collision.

Since this is an expensive part of the policy, it would be a good idea to see if your new needs could be better met elsewhere.

Many insurance companies are coming up with new products or ways to save to try to stay competitive. If your company doesn’t offer any of these new innovations, perhaps you’d like to find one that will.

Some of the recent innovations are:

  • A deductible that decreases each year you go without an accident
  • A promise not to raise rates the first time you have an accident
  • Paying for a car that is newer than the one you’ve totaled
  • Giving discounts if you keep a device in your car that monitors your driving

Some people just want more flexibility in their policy. Some insurance companies don’t want to cover you if you drive a rental car.

Some low-priced companies only cover you if you are driving the car assigned to you on the policy. By comparing auto insurance rates you can find a good deal on a more flexible policy.

Anytime you’ve had a major change in your life, like a marriage, divorce, changing jobs, or having a child get a license, it’s a good idea to take the time to compare what you can get from other sources.

These changes affect how your company will figure your premium, so it’s best to make sure you are getting the best value for your money.

Save time and money on auto insurance now for FREE when you enter your zip code below!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

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