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 23, 2020

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Key takeaways...

  • Insurance companies are competitively priced but don’t necessarily price match
  • Various discounts are available if you take the time to look for them
  • It pays to compare quotes from different insurance companies

You should always try to get affordable car insurance. If you don’t take the time to look at different companies or at least ask if they are willing to price match with other competitors, you will probably spend more than necessary.

Use our free rate comparison tool to find the best rate for the coverage you need.

Price Matching Isn’t Common

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Price matching isn’t what insurance companies typically do. Instead, they focus on providing the most competitive price possible. Some insurance companies will also offer other ways to stand out from the competition.

If you want to stay with your insurance company but see that they are more expensive than other quotes you have gotten, call them.

See if they will price match to the quotes you have received. The worst thing they can do is say no.

They might show you how to reduce the cost of your current premium.

Common ways to reduce the cost of a premium include:

It’s not usually a good idea to lower the coverage. However, if the insurance company has more discounts to apply, it is certainly worth exploring.

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Know the Discounts Available

Discounts are often available to make care insurance more affordable. Not all discounts are available from all insurance companies. You might also not qualify for all of what is available.

You want to take a look at your situation. Whenever you have the opportunity to reduce the cost of insurance, you should take advantage of it.

Common discounts on auto insurance include:

  • Being a homeowner
  • Being a safe driver
  • Being a good student
  • Having multiple policies with one insurance company
  • Industry-focused discounts, such as for being a nurse, in the military, or in law enforcement

Some discounts are disclosed by the insurance companies and are public knowledge. Other discounts might have to be requested.

Once you have the best possible price from an insurance company, contact them to see if you can get the premium lowered any further.

Another discount that is common is for advanced payment. Some insurance companies provide a discount if you pay the term in full as opposed to monthly.

Other insurance companies discount if you set up an auto debit with them so they don’t have to send a bill every month.

Compare Quotes Between Insurance Companies

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Not all insurance companies calculate the cost in the same way. This means it’s important to know what goes into a policy, such as the type of car you drive, the amount of mileage you drive on average, and what your driving history looks like.

Your information isn’t going to change from quote to quote. What will change is the insurance company and how they choose to calculate insurance based on all that you have provided them.

It’s so important to get quotes from multiple insurance companies. If you don’t get multiple quotes, you could end up spending more on insurance premiums than what is necessary.

Online comparison tools will help you to make short work of getting quotes from multiple companies. Each quote will be for the same level of coverage because this is something you choose at the first step.

It allows you to make accurate comparisons because they will all contain the same amount of coverage. What will differ is the cost of the insurance premiums as well as other things that an insurance company might have to offer.

Insurance companies won’t often price match, but they provide other things that allow them to show off a unique value proposition. These include:

  • 24/7 customer service
  • Online claims process
  • Their own brand of collision center
  • A mobile app
  • Roadside assistance and other services

Once you get quotes from several companies, look at the companies. Find out about their reputation and what they have. This will allow you to see how the companies differ and then determine what aspects are most important to you.

Just because an insurance company won’t price match doesn’t mean they aren’t competitive. Explore discounts and be sure to compare premium costs between several companies.

It will make it easier for you to get car insurance that is affordable and sufficient to provide protection through the year.

Enter your zip code below to begin comparing car insurance rates today.