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...

  • You should always compare at least three car insurance quotes before making a decision
  • Students with a grade point average of at least a B+ will find added savings simply for being a good student
  • Police officers, firefighters, and other emergency responders can qualify for special discounts as well

Whether you’re considering changes to your current car insurance policy, comparison shopping among insurance companies for the best price.

There are several online tools that can aid in this process, and most car insurance companies will help you along the way. But there are important pieces of information to gather ahead of time and lots of considerations to take into account.

Ready to get started? Enter your zip code into our search tool above and compare car insurance for FREE!

Table of Contents

Information Needed Before a Quote

The easiest piece of information you’ll need when beginning the process of obtaining an insurance quote is your location — not just your state, but your physical address.

Insurance quotes vary based on location (i.e., you’re likely to pay a lower premium in rural and suburban areas than in cities).

Once you have gathered all the information about your vehicle, you can proceed with the process of getting an estimate, or quote, as to the amount you will pay each month, each quarter, or bi-annually, per vehicle and overall.

You can then adjust coverage levels and work with the finer details of each available option.

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Using Your Information to Rack Up Savings

After all of your information has been gathered and centralized, it’s time to comparison shop online for the best car insurance price you can find in your state.

This is where online shopping really excels, as you can see each provider’s unique discounts and savings opportunities side by side and make the most informed decision.

It’s important to remember that most insurance companies offer special discounts. Young driver discounts as well as for those currently serving in the military are just a few.

Police officers, firefighters, and other emergency responders can qualify for special discounts as well.

Students with a grade point average of at least a B+ will find added savings simply for being a good student.

Those who wish to pay their bill automatically each month will be able to save a significant amount of money each month by bypassing payment processing fees.

Remember that the opportunities to save are vast, and they vary by provider, so it’s important to read the details about each unique discount before deciding on the insurance provider.

Choose one that best fits your coverage needs and car insurance budget.

Additionally, be prepared to provide transcripts to the insurance company of your choice if you choose to utilize the student discount that rewards good grades.

Picking a Plan that Works

After you’ve entered all of the relevant information for each of your drivers, as well as each vehicle covered under your future policy, you’ll be presented with options for eligible car insurance discounts.

While looking at each plan’s monthly price, it’s important to remember that there are benefits to each provider that go above and beyond a monthly premium.

These discounts aren’t immediately represented in the monthly premium price but have a definite impact on how much someone will pay.

For instance, Nationwide Insurance has a program known as the “Vanishing Deductible” which will reduce your deductible for each year that you don’t get into an accident.

Similar discounts from AllState, which has a “Safe Driver” discount, reduces the cost of a driver’s premium.

These long-range discounts may not be advertised as well as the immediate savings a driver will enjoy due to things like their employment status, enrollment at a university, or commitment to recurring payments.

But they are just as valuable, if not more-so, for drivers who are cautious and deserve to be rewarded for their safe driving.

Picking the Best Estimate

After closely scrutinizing each rate plan, pick the one that you feel best covers your vehicle and represents your driving habits.

Be sure to pick an insurance company that also rewards your good driving habits.

Good driving discount is a safe bet for big savings, and car insurance shoppers need to utilize their safe driving record.

Prepare all necessary paperwork regarding your new policy this may include student transcripts, vehicle registration cards, or proof of your current insurance policy.

our new insurance provider will likely require these documents to process and verify your quote and provide you with the policy you’ve selected.

After that, your vehicle will be insured, and you will be assured that you got the best price, that you saw all of the competitors’ offers, and that you will see even greater savings as your policy ages and your driving remains top-notch.

What are you waiting for? Comparing car insurance quotes for FREE! Enter your zip code below to get started!

References:

  1. https://www.progressive.com/
  2. https://www.esurance.com/insurance/car/compare-quotes
  3. https://www.statefarm.com/insurance/auto/discounts
  4. https://www.nationwide.com/
  5. https://www.thebalance.com/disappearing-deductibles-1969983
  6. https://www.allstate.com/