Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Sep 19, 2020

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Here's what you need to know...

  • Every state sets a minimum amount of car insurance that drivers must carry on their vehicles
  • Comprehensive and collision policy coverages are optional in most states
  • When setting deductible levels, you should consider how much cash you could afford to pay when dealing with an emergency

Saving money is on the minds of most people shopping for car insurance. You may be tempted to do business with a particular company because of cute advertising or unbelievable pricing claims, but the loudest voices do not always guarantee the best deals.

Following these simple tips will guide you step-by-step to an affordable car insurance policy. Enter your zip code above and compare car insurance quotes for FREE!

Know State Minimums

Every state sets a minimum amount of car insurance that drivers must carry on their vehicles. By sticking closely to this limit, you can slash your auto insurance costs and still drive legally.

State laws typically mandate three forms of coverage:

  • Bodily injury liability per person
  • Bodily injury liability per accident
  • Property damage liability per accident

Even if you buy only the state’s required minimum coverage, you may end up paying more than your policy is worth.

Insurance price comparison forms generate the most affordable options because the participating insurance companies compete for your business.

You can often receive quotes from several reputable companies, such as:

  • Allstate
  • Geico
  • Progressive
  • Nationwide
  • 21st Century
  • Safe Auto
  • The General
  • Liberty Mutual
  • State Farm

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Limit the Extras

If you are trying to buy an affordable car insurance policy, you must avoid extras that you will not use.

For example, if you are an AAA auto club member, you already have towing coverage.

Other optional coverage features include:

  • Rental car reimbursement
  • Medical payments
  • Emergency roadside
  • Lockout service
  • Auto glass replacement

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Increase Deductibles

When you submit a car insurance claim, the deductible is the amount you pay before the insurance company spends any of its own money. Most policies contain two deductibles:

  • Collision – Covers damage to your vehicle due to a fender-bender, hit-and-run, at-fault accident, or no-fault collision
  • Comprehensive – Covers damage to your vehicle due to theft, vandalism, hail, fire, animal damage, or falling objects

Increasing a deductible from $500 to $1,000 can shave hundreds of dollars off the cost of the car insurance policy.

When setting deductible levels, you should consider how much cash you could afford to pay when dealing with an emergency.

Keep in mind that comprehensive and collision policy coverages are optional in most states.

When you are filling out a free car insurance quote form, you can look at the price with and without these additional safeguards. You gain instant results and can discard any quotes that you do not like.

Compare Car Insurance Quotes

Looking at two or more car insurance quotes side by side gives you the best idea of whether you are receiving a good deal on your policy.

Free comparison sites let you enter information once and then make apples-to-apples comparisons among several top-rated insurers.

You know immediately the amount you must each month, as opposed to general cost averages for your zip code.

You can obtain inexpensive vehicle insurance under almost any circumstances.

Whether you are a high-risk driver, need full coverage, or want temporary insurance for a rental vehicle, a quote form is an easy solution.

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Apply for Discounts

The easiest way to save money on car insurance is to apply for discounts.

Auto insurance companies reduce premiums for a number of situations, including:

  • Maintaining a safe driving record for the previous three to five years, without any accidents or tickets
  • Buying multiple policies from the same insurance company, such as two car policies or a home and auto policy
  • Driving a vehicle with anti-theft devices, anti-lock brakes, and/or airbags
  • Maintaining at least a 3.0-grade point average while a high school or college student
  • Passing a state-approved defensive driving course
  • Being a member of a particular group, such as the U.S. military, National Education Association (NEA), American Medical Student Association (AMSA), unions, trade organizations, professional associations, or large employers

After you enter your vehicle information and driving details on an insurance comparison site, you can view the lowest prices from several different insurance carriers.

Most of the time these prices include all available discounts, but you can always ask individual insurers about extra price breaks.

Skip the Insurance Agent

When you buy directly from an auto insurance company, you often pay less for a policy because you are skipping the middleman.

The commission that would have been paid to the insurance agent is passed along to you in the form of lower car insurance premiums.

The simplest way to buy affordable car insurance without an agent is to use an insurance quote comparison site.

After you review the rates offered by several different carriers, you can choose the quote that represents the best deal.

Enter your zip code below in our car insurance comparison tool now to receive car insurance quotes for FREE!


  1. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  2. https://www.allstate.com/
  3. https://www.geico.com/
  4. https://www.progressive.com/
  5. https://www.nationwide.com/index.jsp
  6. https://www.21st.com/
  7. https://www.safeauto.com/
  8. https://www.thegeneral.com/
  9. https://www.libertymutual.com/
  10. https://www.statefarm.com/