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 5, 2020

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Key takeaways...

  • Comparison site links you directly to a database where the quotes are generated
  • Comparing three to five different quotes recommended
  • A good price may be enticing but it doesn’t mean the policy contains all the coverage that is desired

Everyone wants to save when paying for automobile insurance, but obtaining a policy that meets the requirements of the individual as well as a lender means doing some comparison shopping.

By viewing car insurance quotes from several insurance companies the customer is in a better position to get exactly the right policy at an affordable price.

Find affordable car insurance now!  Enter your zip code above and start comparing quotes for FREE!

Table of Contents

How to Get the Best Quotes

First of all, have all pertinent information on hand when using a comparison site. The more relevant facts that are presented, the better idea of the current rates.

Whether the vehicle to be insured is new or used, the things needed are:

  • Vehicle model and year
  • Mileage on the vehicle
  • Vehicle Identification Number, if known
  • Personal identification

When shopping for low-priced car insurance using an online comparison site, this information can be typed into the appropriate boxes; it will be forwarded to a database that can offer immediate quotes from a number of insurance carriers.

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How do comparison sites work?

These businesses are in direct contact with carriers that offer low priced car insurance based on certain factors, such as:

  • Age of the driver
  • Number of years the customer has had a driver’s license
  • Accident history of the individual
  • Neighborhood where the car is parked at night

The comparison site links directly to a database where the quotes are generated.

This allows the shopper to see what different companies offer.

In addition, it allows the shopper to compare the prices when other optional coverage is added, such as uninsured motorist protection and personal injury protection.

Advantages of Comparison Sites

Depending on the vehicle to be insured, the number of people that will be driving it and the age of the shopper, these quotes can vary to a great extent.

Some insurance companies base their rates largely on the statistics of drivers themselves including

Others focus primarily on the vehicle and its worth, as well as the likelihood of it being stolen, suffering greater than average damage in a collision and its diminishing value over time.

When results are displayed shoppers can easily see the difference in pricing, not only for the monthly premium but also the amount of the down payment is requested.

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Facts About Insurance Prices

Not every driver will pay the same amount per month for the same insurance package on the same make and model vehicle.

Most companies will structure a package that is considered suitable for the individual policyholder and his/her risk classification.

Three different shoppers receiving multiple quotes on the same make and model vehicle may get quite different results from a particular insurance company.

For example:

  • Shopper “A” is quoted $200 down and $100 per month
  • Shopper “B” is quoted $250 down and $100 per month
  • Shopper “C” is quoted $120 down and $120 per month

In the above examples, the total paid over a six-month period varies from one individual to another, as does the down payment necessary to activate the policy.

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Comparison Quotes Save Time

If trying to get low-cost car insurance it will take an enormous amount of effort and much time to obtain these quotes from the individual carriers.

All will want the same information on which to classify the driver and generate a quote, therefore it is advantageous to use a comparison site that can forward the information directly to the database where the quotes are listed.

Shoppers Can Mix And Match

Depending on the vehicle itself and what it’s worth, consumers may want to look into optional coverage, testing different prices for varying amount of deductibles and seeing if there is a difference between a 12-month policy versus a six-month agreement.

Some insurance companies charge very little extra when a second driver is added to an existing policy or when personal injury protection is carried.

Some examples include:

  • A $250 deductible may cost only about $10 more per month than a $500 deductible
  • Uninsured motorist protection may only add about $15 per month
  • Adding collision and comprehensive insurance on an older vehicle may only cost $30 more than the liability insurance price

Review Offer Carefully

A good price may be enticing but it doesn’t mean the policy contains all the coverage that is desired.

When a driver enters information the amount of coverage required by law in that particular state or local jurisdiction is automatically taken into account, but the consumer will have to make his/her own decision about optional coverages.

Adding these optional car insurance coverages may scare some individuals who believe the price will balloon, but often this is not the case.

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Lowest Costs for High-Risk Drivers

All states have an insurance board that includes a division overseeing the acceptance of liability insurance.

Because this insurance is necessary in every jurisdiction, the driver is assured of obtaining insurance.

The price may be higher, but using the services of a comparison site and filling in the information accurately will result in the best quotes for those who are considered high risk.

Some insurance companies have special programs that target those with less than perfect driving records or have been convicted of driving under the influence.

No Lapses in Coverage

Keeping a policy active or switching companies before a policy expires insures the best rates.

Nearly all insurance companies will charge more if there is a lapse in coverage. You should try and find the best-rated car insurance company.

It is also to the shopper’s advantage to periodically compare rates on currently owned vehicles since companies often will have discounts for those having been insured for some time.

Also when a vehicle is paid off the shopper can compare prices for liability only if the collision insurance is deemed no longer necessary.

Ready to compare low-cost car insurance quotes? Enter your zip code below and get started for FREE!

References:

  1. https://www.cnbc.com/2015/03/27/car-insurance-is-cheaper-if-youre-married-new-study-shows.html
  2. https://www.nationwide.com/insurance-law.jsp
  3. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  4. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  5. https://www.progressivecommercial.com/business-insurance/general-liability-insurance-coverage/