Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Nov 3, 2020

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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.

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Key takeaways...

  • Traditionally, people simply called their family insurance agent to get a quote
  • You should compare at least 3 different car insurance quotes before making a final decision
  • Learn what your state’s requirements are before making buying a policy

Car insurance companies advertise heavily with taglines such as these for cheap car insurance, however, how do you really know who has the best auto insurance policy for your situation?

The fact is there is no way of knowing this so you have a responsibility to compare car insurance companies.

Request free quotes, read customer reviews and more all from the comfort of your home. Simply enter your zip code at the top of this page for a FREE comparison now!

Simply enter your zip code above for a FREE comparison now!

How to Be Prepared


The comparison approach should never be based solely on car insurance premiums but also a number of intangible factors such as customer service, the process for handling claims, methods of payment, hours of operation and more.

Traditionally, people simply called their family insurance agent to get a quote but today the internet provides access to a wealth of information so you should always start car insurance comparison online.

Before speaking with car insurance companies, there are several items you should gather including:

  • Knowledge: Learn about the common car insurance discounts available
  • Make a list of pertinent information such as your vehicle VIN, and list of the vehicle’s safety features
  • A good estimation of how much you use the vehicle per year (annual mileage is one of the questions)
  • Number of Household Drivers and ages

The complete list can be found here using our Pre-Quote Checklist.

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Secondly,  Shop Around

Contact at least a handful of car insurance companies providing the same information while creating your own checklist of the intangible factors stated above (customer service, online features etc.)

If all the car insurance quotes are within the same range, you can feel safe no one is out to cheat you.

It’s always easier to make a decision based on the comfort factor you feel about a certain provider.

Premiums Matter

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Always understand how much coverage you really have, learn why state minimum requirements are terribly low and that nothing good is usually cheap affordable yes, but not cheap.

Never risk your financial security and welfare while operating a motor vehicle with the words cheap.

Ready to start car insurance comparison find car insurance companies nationwide? Use our FREE zip code search below and get FREE car insurance quotes today.