Jessica Sautter is a Content Writer for 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: Nov 9, 2020

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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...

  • Most drivers only need general liability insurance
  • The internet is one of the best ways to compare car insurance quotes
  • Using an insurance broker can also save you money

Most providers of car insurance specialize in “general insurance” meaning they offer typical coverage to the majority of drivers.

However, there are also specialized car insurance companies who offer custom packages for classic cars, antique vehicles, modified cars, luxury cars and even portfolio pricing for car collectors.

If you are in the majority group of consumers who just need general liability or comprehensive car insurance, it’s really easy.

Simply Google terms like “car insurance companies,” use dedicated sites like who have a database of car insurance companies searchable by zip code or (if you can find one) check the yellow pages.

Compare car insurance quotes for FREE! Enter your zip code above to get started now!

What is an independent insurance agent?

An independent car insurance agent can be one of two things. They can either be a licensed professional who primarily deals with one company but works under an “independent” label or sometimes the term is often used to

The use of the term “independent insurance agent” is a bit loose since many companies simply do not want to incur the cost of having an employee but still require them to only sell their product.

If you have ever been paid on 1099, some independent insurance agents are very similar to this.

Brokers, on the other hand, are authorized to sell products for many companies and usually get paid more commission but have also had higher costs because of their greater indirect relationship with any single car insurance company.

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How can I get a list of licensed car insurance companies?

The best way to get a list of car insurance companies licensed to conduct business in your state is by contacting the state department of insurance regulation which varies from state to state.

Most all major companies only advertise in markets they can offer products in and you should be quickly informed when speaking with an agent if they can or can not do business in your state.

Car Insurance Company Reviews

The internet is one of the best resources for inquiring about consumer experiences with potential car insurance companies

In addition to asking friends always use the internet as a resource but just remember – happy clients never complain so more than likely you will find more bad reviews than good reviews about almost any car insurance company.

Ready to compare car insurance companies? Enter your zip code below to get started for FREE!