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 18, 2020

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Key takeaways...

  • Price is an important factor when buying car insurance
  • Comprehensive coverage usually costs more than basic liability
  • You can request a car insurance premium rate quote through most insurance company websites

Price is an extremely important factor when buying auto insurance. Prices for comprehensive car insurance can differ dramatically between companies, so it is important to comparison shop before making a purchasing decision.

When buying car insurance, it is also important to know that there are ways you can bring your premium costs down and save money.

Enter your zip code above into our comparison tool above to compare FREE car insurance quotes.

Table of Contents

Insurance Comparison Websites

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One of the easiest places to find prices for comprehensive car insurance is insurance comparison websites.

Comparison sites allow you to request an auto insurance premium price from several sources in a single request submission.

You are also usually required to provide contact information, including a telephone number and email address for agents and insurance company representatives to contact you for further information.

Insurance comparison websites often also provide additional information regarding car insurance companies.

They may have preferred providers and they may have a forum available for you to see comments from other consumers regarding their experiences with their auto insurance companies.

Additionally, many comparison sites have articles related to questions and concerns that many people have regarding auto insurance.

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Independent Insurance Brokers

Another source for car insurance premium quotes are independent insurance brokers. Most independent brokers represent many different insurance companies.

They should also be able to help you understand what kind of insurance and how much insurance you really need.

Independent brokers also offer personal service that many people want when they are buying insurance.

They can sit down with you and talk to you about what you can really afford and make recommendations about ways to reduce your premium rates.

Additionally, if you have a claim they can assist you personally and many brokers will review your premium rates when your policy comes up for renewal.

Insurance Companies

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You can also find comprehensive car insurance premium rate quotes directly from insurance companies.

By visiting an insurance company website, you can find out about the range of insurance products offered and various aspects of their business, such as customer service and added benefits for policyholders.

You can request a car insurance premium rate quote through most insurance company websites.

Additionally, you can request a rate quote in person or over the telephone.

Methods to Lower Premium Rates

Car insurance is rarely inexpensive, particularly if you are driving a newer car or have tickets or accidents on your driving record.

Also, if your credit rate is poor, you are likely going to pay higher premiums for your car insurance. However, there are usually ways you can lower your car insurance premium costs.

Higher Deductibles

One way to lower your rates is to take higher deductible levels on your car insurance policy.

A higher deductible means that your initial out-of-pocket costs are higher, but since you will be paying more of the repair costs, insurance companies charge lower rates for car insurance policies.

Multiple Policies

Many insurance companies offer lower rates to customers who have multiple insurance policies written with them.

If you have homeowners, rental, boat, recreational vehicle or other types of insurance policies with the same company, you should receive premium breaks on all of the policies.

Multiple Vehicles

You may also be able to lower your auto insurance premiums by insuring all of your cars with one company.

You can have different levels of coverage for each vehicle, but your overall premium should be lower than if you were to buy individual disconnected policies for each of the cars.

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Evaluate Your Real Insurance Needs

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Most auto insurance companies will only issue comprehensive policies as part of full insurance that also includes liability and uninsured motorist coverage.

If you are seeking comprehensive-only car insurance, the car will need to be in storage and up on blocks before the policy is issued.

There are many additional factors that can impact auto insurance premium rates.

The age of the driver, length of commute and what you do for a living can also be factors in what you will be charged for auto insurance.

When buying car insurance, it is important to compare rates from at least three different companies.

Enter your zip code in our comparison tool to compare car insurance quotes from multiple companies for FREE.

References:

  1. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  2. https://www.thebalance.com/what-is-an-independent-agent-527051
  3. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx
  4. https://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  5. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage