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: Sep 19, 2020

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Here's what you need to know...

  • Finding affordable car insurance involves research and comparison shopping
  • Comparison websites allow you to compare multiple quotes at one time
  • Where you live, your credit history and your age all play a role when determining your monthly premium

When it comes to finding affordable car insurance quotes, it is important to compare as many companies as possible.

This was once time-consuming and difficult to do but it has been made extremely easy in the last decade or so.

There are a few places that will offer the ability to compare car insurance quotes. Use our FREE quote tool to compare rates today!

Table of Contents

Using Price Comparison Websites

Auto insurance comparison websites have become extremely popular in recent years.

They do not just offer the ability to compare car insurance; you can compare a multitude of things, including travel insurance, flight costs, and credit cards.

These websites charge a commission to companies and then make it possible for consumers to compare different companies next to each other.

When it comes to comparing car insurance, you will just need to put your details into one form and you will get quotes from the different companies available.

The form will ask for the basic information that all insurance companies will need to make a decision.

This information includes:

  • Name
  • Address
  • Age
  • Marital Status
  • Employment
  • Driving Record
  • Vehicle’s Age, Make and Model

All of the above are required to make a decision and will have a direct impact on the cost of your car insurance.

There are many different price comparison websites and they will be able to compare different insurance companies.

It is worth checking each of the different price comparison websites to make sure that you get a full list of the companies offering insurance and their quotes for your details. This can take longer but it is generally worth it at the same time.

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Going Direct to the Companies

Not all companies are on price comparison websites. There are some who prefer to deal with their customers directly, which means that you will need to go to their websites to find out what their insurance quotes are.

They will ask for the same information and will also still offer free quotes.

Another point to make is that the different price comparison websites will charge different amounts to the companies on their sites.

Some of the terms in the price comparison contracts state that a company is not allowed to charge less when a customer goes direct but others do not have this; this means that the companies are able to push the commission onto the quote.

It is worth going directly to the cheapest companies on the price comparison sites to see whether this is the case so that you can get the lowest quote possible.

Going direct will also offer other advantages — such as being able to get discounts on your car insurance by offering extra information that proves you are a good driver.

Not Just About Where to Compare

It is not just about where you go to compare your car insurance quotes; you will also need to think about how to compare them. Some companies will charge more for their insurance but they could offer a lot more than other companies.

For example, some companies are willing to offer more for the personal liability insurance — and often more than the state’s minimum amount.

This means that the insurance quotes will be much higher but you are getting more for that money and it could save you a lot if you are involved in an accident that is your fault.

It is also worth looking to see if there are any extras added to your car insurance policy.

Some companies will also include legal or breakdown cover, which will lead to an increase in your quotes.

This is something that you could look at having removed to lower the quotes but it may be worth keeping on if you have needed to use them in the past.

Your deductible will also affect your car insurance quote. A company will charge more if the car insurance deductible is low so you will need to double check this for each quote that you get.

You may find that you save hundreds — and maybe thousands — if you increase your deductible by $250. This is something worth considering, as long as you know you can afford the deductible if it ever comes to it.

There are many places to search for car insurance quotes. Price comparison sites are generally worth it first because they search many companies at the same time; however, it is always worth talking directly to the companies as well.

Enter your zip code above in our car insurance comparison tool and compare quotes for FREE!

References:

  1. https://www.allstate.com/auto-insurance.aspx
  2. https://www.thebalance.com/how-to-get-your-driving-record-527249
  3. https://www.nationwide.com/car-insurance-discounts.jsp
  4. https://www.progressive.com/auto/insurance-deductibles/