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 16, 2020

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Key takeaways...

  • When looking for new car insurance, choose three to five quotes and compare them side-by-side
  • Many drivers who buy cheap car insurance are not satisfied with the coverage received
  • The best way to find an auto insurance plan is to compare at least three quotes from multiple sources

Increasingly more people are looking for the lowest car insurance rates. Studies have shown that one in three drivers is paying over the odds for coverage.

Instead of accepting the renewal quote from your current car insurance provider, you should rather shop around and compare quotes to get the lowest rates out there.

You can do that easily with our FREE car insurance comparison tool! Enter your zip code above and start saving today!

Table of Contents

Shop for the Lowest Car Insurance Rates Online

When searching for cheap car insurance, you will notice that rates for similar coverage can vary by more than $500 from one company to another.

The best way to reduce costs and find an auto insurance plan that suits your needs is to compare at least three quotes from multiple sources.

The internet is a great resource for finding free quote comparison tools and charts, customer reviews, and insurance articles.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

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Compare quotes from the top car insurance companies and save

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Compare Car Insurance Quotes

Each insurance company has different guidelines. Many carriers offer exactly the same product at costs that may vary drastically.

Comparing auto insurance quotes online will help you get a clear picture of the average rates featured by insurance providers.

Another advantage of using the internet to buy coverage is that you can get special discounts and offers.

Insurance websites usually require customers to provide a few details about themselves such as:

  • Age
  • Location
  • Marital status
  • Income
  • Type of vehicle
  • Mileage

Take the time to answer each question and make sure you provide accurate information.

After you submit the given form, you will get a number of quotes from local and national insurance carriers. Choose three to five quotes and compare them side-by-side.

Search for information about each insurer, ask about the current discounts and decide what type of coverage works for you.

It is recommended that you do proper research before you sign up for a particular policy. Many drivers who buy cheap car insurance are not satisfied with the coverage received.

Therefore, you need to consider both the price and the benefits offered.

Evaluate Your Car Insurance Needs

In order to get the lowest car insurance rates, you need to research your options and decide how much coverage you want to buy.

Most insurance providers no longer assume that one policy will fit all. Before you make decision, ask yourself a few questions:

  • What kind of car do you drive?
  • Is it a hybrid vehicle or a sports model?
  • Was your vehicle imported?
  • How often do you drive?
  • Are you under the age of 25?
  • Where do you live?

Make sure you have answers to all of these questions before you start to compare quotes online.

Choose the Right Type of Car Insurance Coverage

When it comes to buying car insurance, there are several types of car insurance coverage to choose from.

Most insurance companies offer the following:

Liability insurance is required in most states because it covers any damages that your vehicle causes to another person’s car or property, as well as the medical bills from resulting injuries.

Comprehensive insurance offers protection from weather damage, vandalism, theft, fire, hail and flood.

This type of coverage pays for the damages resulted from accidents caused by third party or “act of God.”

Personal Injury Protection (PIP) pays the costs associated with treating injuries after a car accident.

This type of insurance covers medical bills, lost earnings, rehabilitation, and funeral expenses.

If you buy collision coverage, the insurance provider will pay what the car was worth before the accident. This policy covers the damages to an insured vehicle caused by collision with another car or object.

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Ways to Save Money and Find the Lowest Car Insurance Rates

Now that you know what type of coverage best suits your needs, you can start searching for money-saving strategies.

First of all, you need to review your coverage and then check rates from other companies to make sure you are getting the lowest car insurance rates.

Paying your premium upfront can help you save up to 25 percent on auto insurance. Adding another driver to your policy is a great way to reduce costs.

If your vehicle is worth less than 10 times the premium, consider dropping collision and comprehensive coverage. Sometimes it costs more to insurance an older car than it costs to buy a new one.

Increase Your Deductible

The deductible is the amount of amount that you will pay your insurance company in the event of a claim.

By raising your deductible, you will get lower rates.

This strategy is ideal for those who have an emergency fund in place to cover the cost of the deductible. Increasing your out-of-the pocket expenses can help you save up to 40 percent or more.

Ask about Car Insurance Discounts

Before you buy car insurance, ask about the car insurance discounts that are being offered.

Most drivers receive discounts for installing approved alarms, air bags, and anti-lock brakes to their vehicles.

If your car is equipped with automatic seat belts, you will pay less on coverage.

Look for group discounts, join auto clubs and maintain a good credit record.

Keep in mind that you can save up to 75 percent on auto insurance if you manage to stay claim-free for at least three years.

Parking your car off-road in a secured area is one of the best ways to cut costs. Drivers who agree to a mileage restriction can save hundreds of dollars a year.

By driving less, you may qualify for lower rates. Keep car modifications to a minimum and take defensive driving courses to reduce your premiums.

If you have two or more vehicles, insure all of them with the same company. Make sure you ask about retirement discounts, good student discounts, and loyalty discounts.

Enter your zip code below and start comparing car insurance companies today!

References:

  1. https://www.nationwide.com/auto-liability-insurance.jsp
  2. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx
  3. https://www.thebalance.com/what-is-pip-insurance-527129
  4. https://www.geico.com/information/aboutinsurance/auto/
  5. https://www.nationwide.com/car-insurance-discounts.jsp