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: Sep 30, 2020

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Key takeaways...

  • It’s illegal to drive with adequate car insurance coverage
  • Choosing a higher deductible can lower your final quote
  • Be honest when answering the questions about your driving history

The best locations that offer instant auto insurance quotes are specific car insurance websites and third-party websites such as this one.

Having insurance for your car is a necessity in life but most drivers do not care to spend a lot of their time trying to find a policy.

Using the internet to aid your search is a huge time-saver and many places make it easy to get free quotes.

Because it is so easy to get instant free quotes online, it may be tempting to choose the lowest quote and sign a policy right away.

There are many things that you want to check out about each company before you choose one to insure your vehicle.

Save time now by searching for auto insurance rates right here. Enter your zip code above into the FREE space provided!

Table of Contents

Search Car Insurance Sites

If you are searching for a quote for auto insurance and you know the name of the company you would like to use, a key way to get a quote is to go to the company’s website.

Most insurance companies, especially the larger ones, have a place on their site where you can get a free quote.

This is a lot faster than visiting an insurance office or searching for and calling an agent, although you can do that instead if you like more personal contact.

If you are not quite sure which exact car insurance company you want to use, but you know what is important to you, you may want to visit a website such as J. D. Power and Associates.

This site lists a number of car insurance companies and what consumers have rated them based on different criteria.

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Third-Party Quote Sites

If you have no idea with which car insurance company to go, your best bet is to use a website that is able to give you quotes from many insurance companies.

These third-party search sites affiliate themselves with different car insurance companies.

The best thing is that you only have to enter your information once, but you’ll get multiple quotes in return.

The quotes may be delivered to you right away or you will be contacted via email or phone by the companies’ representatives.

Information Needed for an Instant Quote

You will be asked to provide certain information, whether you request a quote from a specific insurance website or you use a third party. This information is necessary to determine what your rate will be.

Car insurance companies rate each driver based on a number of different factors. Because of this, rate quotes will vary greatly from person to person.

The most significant thing to remember is to be honest when answering the questions.

Lying on an insurance application to get lower rates is considered to be insurance fraud. The Council for Insurance Research, states that fraud happens quite a bit and causes rates to rise for all drivers.

As far as insurance quotes, the first thing you will be asked for is to enter your zip code.

This is because insurance rates vary in different areas in the state.

It also narrows down the number of insurance companies that can insure you since not all providers are licensed in every state.

After determining your location you will be asked specific questions about your vehicle. Note if your car has any devices to help prevent theft and what safety features it has.

The average number of daily or monthly miles you drive your car will also affect your rate.

You will be asked about your driving history and your credit history. This includes how many tickets you have received and how many accidents in which you have been.

You will be able to choose which types of coverage you want and your deductible and limit amount.

At the end, you will fill in your contact information and how you would prefer to be contacted by the insurance companies with your quote information.

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How to Get a Low Insurance Quote

Because your rate quote is based on so many factors, there are some things that you are capable of doing to make sure you get the lowest rate possible.

Some of these may be more immediate, while others will take time to slowly lower your rate.

Although there are certain things that you may not be able to change right away, things that you can change immediately include coverage options, deductible amount, and liability limit amount.

Ensure that you have at least the coverage that is mandated by your state.

To lower your quote, choose a higher deductible. You can also decrease the limit amounts for your liability coverage, but make sure it is at least the minimum required where you live.

Keep in mind that, although doing these will save you more money on a monthly basis, it will mean more expense out of your pocket if you ever have an accident.

Some things you can do to lower your car insurance rate will take time. If you had a less-than-stellar driving record in the past, this will affect your rates for at least three years.

Until these incidents are cleared from your record, the best thing you can do now is focus on safe driving.

Sometimes taking a defensive driving class or safety course will help you save money, as some insurance companies offer discounts for these. If you keep your record clean you will notice a decrease in your rates after a period of time.

Another item that you can be proactive about in regards to car insurance rates is your own credit score.

Because insurance companies see a direct relationship between how you handle your finances and how responsible of a driver you are, if you possess a poor score, be prepared to be penalized with rates that are higher.

The good news is that negative information on your credit report does not stay on it forever.

Whether you have a negative credit record or have no credit, there are things that can be done to help improve your score. Experian’s website can help you with tips.

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What to Look for in a Policy

To be able to get an instant rate quote, you will need to choose what types of coverage you want. If you do not understand how car insurance works, you may choose either too much coverage or not enough.

To start your insurance education, read the Insurance Information Institute’s article on basic auto policies.  This will explain the different types of coverage.

The year and make of your car will help you determine how much insurance you should have.

With a newer car, it is usually smarter to have more coverage to help you pay for damage to the vehicle.

If it is leased or financed, you will usually be required to carry a certain amount of insurance to satisfy the lender’s requirements.

If you have an older car that is paid off, it may be a waste of money to carry full coverage. Insurance companies will only cover what the car is worth after you have met the deductible.

If your deductible is high and the value of your car is low, you don’t need comprehensive and collision.

They will usually be able to help you with any questions you have.

Research the Insurance Company

After receiving a few rates quotes, your job is not done. It is important to do a bit of research into each company before making a decision.

First of all, confirm that the company is registered and licensed to sell insurance in your state. You can find out this information from your state insurance department.

Next, check the financials of each company. A.M. Best is a good resource to find out this information and it is free to use.

Look at the ratings as well as the forecasted outlook for the company.

The Internet is a great resource for many things, and it has made it easy and fast to get free instant auto insurance quotes.

If you get your insurance quote this way, make sure you do some additional investigating to choose the right policy.

Start your car insurance quote search now by entering your zip code into the FREE box below!

References:

  1. http://www.insurance-research.org/research-publications/fraud-and-buildup-auto-injury-insurance-claims-2008-edition
  2. https://www.consumerreports.org/cro/2012/04/guide-to-safety-features/index.htm
  3. https://www.thebalance.com/how-to-get-your-driving-record-527249
  4. https://www.progressivecommercial.com/coverages/liability/
  5. http://www.safemotorist.com/articles/Defensive_Driving.aspx
  6. http://www.experian.com/credit-education/improving-credit-scores.html
  7. http://www.iii.org/articles/what-is-covered-by-a-basic-auto-policy.html
  8. http://www.ambest.com