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...

  • Even high-risk drivers can benefit from comparing car insurance quotes
  • It’s easy to comparison shop for car insurance online
  • You should review your policy once a year to ensure you are paying the lowest premium

These days, with all the competition in the car insurance market, drivers have an excellent opportunity to shop for value and get a great price on their policies.

Everyone from preferred motorists to so-called high-risk drivers can benefit from comparison shopping and taking a close look at the policies and premiums that different companies have to offer.

Saving money on car insurance is simple if you where to look and what to look for in affordable high-quality coverage.

Enter your zip code above and compare the best car insurance companies for FREE search tool!

Table of Contents

Online Auto Insurance Comparison

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Without a doubt, the best and most efficient way to find car insurance quotes is to shop online.

The market for online auto insurance has grown tremendously through years, transforming from a niche market into a significant segment of the overall industry.

For drivers, logging on and comparing free quotes from competing providers is the fastest route to a great deal on their next policy.

There are some significant ways motorists can work to save themselves money when they look for bargains on their automobile insurance:

  • The online market makes it simple to compare coverages and review your policy provisions to ensure that you end up with a plan that makes sense given your unique circumstances and your household budget.
  • Taking the time to review coverage includes examining deductibles and limits to determine what levels bring the best combination of savings and protection.
  • For many drivers, considering dropping comprehensive and collision provides an option to help them save big on their premium.
  • Most importantly, finding car insurance quotes online helps all policyholders compare providers and choose the best companies to represent them

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Review Your Vehicle Coverage

Looking for affordable car insurance companies is an annual ritual for many drivers.

The one thing that some of us fail to recognize is the importance of not only looking for cheap premiums but also appropriate policies that fit our needs.

Older cars that are paid off do not necessarily need the same coverages as new vehicles being financed.

It might make sense to look at excluding certain drivers or setting mileage limits on a policy in order to save money.

Reviewing your policy is something you should do at least once a year or every time you get set to renew.

One of the components of auto insurance that sometimes gets overlooked as a potential area of savings is in deductibles and limitations of coverage.

Examining this area of your overall policy is crucial if you wish to come out with a plan that suits your particular needs.

  • For some drivers, it makes sense to increase deductibles or reduce limits from default policy offerings because of the savings that can result.
  • Higher deductibles will significantly lower rates for comprehensive and collision, for example, but also increase out of pocket cost.
  • The full deductible must be paid out of pocket before auto coverage kicks in on a claim. Never set your deductible higher than what you can afford to pay.

Full Coverage vs. Liability-Only

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The choice of whether to carry full car insurance coverage on a vehicle essentially comes down to the balance between premium and protection.

Cars that are significantly depreciated may not be worth covering with comprehensive and collision insurance because these policies are limited in their maximum payout based on the market value of the car.

  • Find car insurance quotes and compare the additional cost of adding comprehensive and collision versus the additional protection it provides.
  • As a general rule of thumb, most experts suggest that the cost of full coverage for one year should not exceed 10 percent of the market value of the car.
  • As a vehicle depreciates, the true value of a full coverage policy also declines. Except in cases where older cars hold their value (i.e. classic cars), comprehensive and collision are not a worthwhile investment after a certain time period.

Choose the Best Insurance Provider

Saving money and finding car insurance quotes might appear at first glance to be quite a challenge.

But with the wealth of information that is now available to consumers, it is possible to accomplish more in less time and come up with ways to save on quality coverage from well-known insurers.

Shopping online and comparing the offerings of top auto insurance providers ensures that every driver can find the best value for the money.

Price shopping among insurance companies is a smart way to take advantage of the online market.

Be sure to find car insurance quotes based on the levels and types of coverage you need for your household and the vehicles you own.

For some, this means bare bones liability only. For others, it will mean full coverage with additional options like towing and emergency roadside assistance.

Now more than ever, it is simple and fast for drivers to compare all of the top auto insurance companies licensed to sell policies in their home states.

Drivers can make the most of the online market by taking the time to examine the different options that exist for coverage.

Save money today on comparing car insurance companies by entering your zip code into our FREE search tool below!

References:

  1. https://www.allstate.com/tools-and-resources/insurance-basics/premium-limit-deductible.aspx
  2. https://www.progressive.com/glossary/comprehensive-and-collision/
  3. http://www.21st.com/auto-insurance-information/understanding-car-insurance-deductibles.htm
  4. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  5. http://www.edmunds.com/about/press/vehicle-depreciation-top-ten-lists-published-at-edmundscom.html
  6. https://www.nationwide.com/roadside-assistance.jsp