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...

  • At a minimum, most states require liability coverage
  • Cut costs by applying for car insurance discounts
  • Always compare three to five online car insurance quotes

It’s no secret that regardless of the kind of insurance, most consumers purchase insurance without giving much thought to comparing online car insurance quotes.

This may have been acceptable in the past but over the years, the insurance business has grown in complexity and it’s now advisable that consumers are better informed about precisely what’s involved when procuring insurance.

Coverage under car insurance policies is established according to state regulations, which means there will be differences in pricing and stipulations.

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

Table of Contents

Types of Insurance Required

At a minimum, most states have certain state insurance requirements for drivers. However, it’s more likely that drivers will require insurance that covers a broader range of possible catastrophes, such as:

  • Comprehensive Insurance – Covers damage to cars that’s caused by something other than collision, such as fire, theft, civil commotion, falling objects, etc. Make sure to find comprehensive car insurance quotes to compare!
  • Property Damage Liability – Covers damage done by the insured to someone else’s property.
  • Collision Insurance – Covers repairs on insured’s car after a collision.
  • Uninsured Motorist Coverage – Protects insured if they’re involved in an accident with an uninsured driver.
  • No-Fault Auto Insurance – Covers injuries sustained by passengers in the insured’s car without regard for who’s at fault for the accident.

When searching for auto insurance quotes, consumers should also consider whether or not it would be useful to add on the following additional coverage:

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Ways to Minimize the Costs of Auto Insurance Quotes

When browsing the internet for the best car insurance quotes, drivers will obviously seek to obtain the lowest premium rates possible and this can be accomplished by keeping the following in mind:

Make and Model

Choose cars (either for rental or purchase) that focus on safety features, i.e., installing an anti-theft device in the car, having automatic seatbelts on the both the driver’s and passenger’s side and having a sound alarm system.

Driving History

Maintain a good driving history that indicates safe driving as well as a driver who follows all rules and regulations (uses seat belts and child restraints and never drive under the influence)

Compare Quotes

Shop around and compare car insurance company quotes. Insurance companies also offer discounts for consolidating all insurance needs within one company, such as including the purchase of life and home along with auto insurance.

Bundle Policies

Multiple cars and drivers can be covered under the same policy which results in savings for the insured as opposed to having everyone and everything covered under separate policies.

Credit Scores

Maintain a good credit history because auto insurance agents will check and credit scores will play a part in determining premium rates.

Age-Appropriate Discounts

There are a specific set of discounts offered for drivers in the age range of 25 – 55 years, as well as another type of discounts offered to retired drivers.

Final Thoughts on Online Car Insurance Quotes

As will be noticed, insurance companies make numerous inquiries to determine final premium rates so it’s to the drivers’ advantage to be aware of what to expect so they can prepare and act accordingly.

In addition, given the various kinds of car insurance discounts that are offered, drivers should be informed well enough to be able to ask about any discounts that may apply to them.

Consumers have a choice in the level and amount of insurance that’s available.

People should take all the time they need to determine how much they can afford to spend, precisely what their needs are, and how they can get the best insurance coverage for the money they’re willing and able to spend.

Compare low-cost car insurance quotes for FREE! Enter your zip code below to get started!

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  2. https://www.geico.com/information/aboutinsurance/auto/
  3. https://www.iii.org/article/background-on-no-fault-auto-insurance
  4. https://www.allstate.com/tools-and-resources/car-insurance/rental-car-insurance.aspx
  5. https://en.wikipedia.org/wiki/Driving_under_the_influence
  6. https://www.geico.com/save/discounts/car-insurance-discounts/