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: Aug 9, 2021

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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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Liability and collision insurance may leave you without coverage for a lot of auto damage
  • 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. Especially for those who are tight on their budgets, it can seem like the difference between giving up coverage they want and not having insurance at all.

Prices for comprehensive car insurance can differ dramatically between companies. So it is important to comparison shop before making a purchasing decision. If you take the first price quote, you could be missing out on lower prices or the comprehensive coverage limits you’re looking for to protect yourself and your family.

When buying car insurance, it is also important to know that there are ways you can bring your premium costs down and save money. This is true even if you have more than one at fault accident or ticket on your driving record.

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

Can You Trust Insurance Comparison Websites?

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One of the easiest places to find prices for comprehensive car insurance is insurance comparison websites. These sites are often paid to feature certain insurance companies. The important thing to realize is many companies are paying them. This means that they can write honest reviews about many good insurance companies and let you decide what you need based on those comparisons.

Comparison sites allow you to request an auto insurance premium price from several sources in a single request submission. More importantly, you can run quotes for multiple insurance companies at once. Insurance companies cannot pay for your business by giving you false rates. A review site can list average rates based on age, driving record, and other factors. Ultimately, every customer looking at policies should run quotes that take into account all the factors that affect them.

You are also usually required to add your phone number, email, etc., customer service from different companies can reach out to you. You can also call them to get answers to your questions and talk about coverage.

These review sites 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. Ultimately, regardless of how much an insurance company may pay, customer reviews will often tell the larger story.

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

Compare Car Insurance Companies

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Should You Call Independent Insurance Brokers?

Another source for car insurance premium quotes are independent insurance brokers. Most independent brokers represent many different insurance companies. So they can get you multiple quotes and explain the differences. This way, you can make an informed decision.

They should also be able to help you understand what kind of insurance and how much insurance you really need. J.D. Power may give one insurance company’s plan a high rating for classic cars. But if you’re driving a brand new car with all factory parts, this type of coverage wouldn’t make sense.

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.

How Can You 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.

If you don’t have collision or comprehensive insurance on your car, you could end up paying for it later on. If you’re in an accident without this coverage, you would be responsible for your own auto damage. If you didn’t have comprehensive coverage, you’d be just as responsible for a wide range of incidents like a falling tree or heavy hail storm. The good news is there are ways to lower your rates without giving up essential auto coverage.

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