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...

  • Knowing how to compare car insurance quotes can save you money
  • Online comparison is one of the best ways to find car insurance quotes
  • Always compare three to five quotes before making a final decision

Motorcar insurance is a necessary aspect of owning a vehicle. But anyone who has set out to get themselves a policy will know how mind-boggling the entire process can be.

Getting yourself a good deal need not be too difficult a process if you know the right way to go about comparing motor car insurance premiums.

Enter your zip code above and compare car insurance quotes for FREE!

Table of Contents

Why Should You Compare MotorCar Insurance

There are several reasons behind wanting to compare motor car insurance companies before you actually settle on something.

For one, a comprehensive car insurance package will cover not only you but also the third party injured.

It also comes into play if another individual has affected you in a car accident.

Being able to compare premiums helps you save money on your premiums.

Knowing what you can expect from your car insurance will help you make better use of comparisons available online and thereby get you a better deal on the premium.

Just as you would do some research before buying a vehicle, online comparisons will allow you to get the right kind of premium.

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The Simplicity of Online Comparisons

It is a good idea to be familiar with motor car insurance comparison and the process before you actually begin looking online.

Here is a general idea of how to go about things:

  • Do to an internet search and look for comparative sites.
  • Once uploaded, the search engine will take a few minutes to process and match your requirements with the agencies they have.
  • The formats are created so that you can easily compare and contrast within a window. Look for what suits you best and go ahead with that.

Such efforts at comparison will save you time and energy when it comes to scouting different agencies and asking them for quotes.

What information will be provided to me?

With every passing year the cost of owning a car and maintaining its insurance increases. If by comparisons online you are able to save yourself a significant amount, then it is definitely the way to go.

All that this requires is an investment from you in terms of time and effort to wade through the various choices.

You could choose to do this in person and go from one agency to another in search of quotes, or you could do it from the comfort of your home online.

Some pointers on how to make the best of online comparison sites for car insurance are:

  • They will help you find great motorcar insurance agencies.
  • From this set of comparison sites, choose one that is highly ranked or that is recommended by someone who has used it.
  • Shop for discounts – If you rarely drive, then you will be eligible for discounts on premiums. There are several other offers that you can make use of if you are eligible for them.

Other Ways of Getting Motor Car Insurance Discounts

While the steps mentioned above are more of a direct way of getting car insurance discounts, a comparison site can help you get a decent cut on your premium in several other ways.

  • If you have never made a claim on your insurance, you may be eligible for discounts on your renewal.
  • You could consider going in for an umbrella policy. This is where you opt for several insurance products from the same company.
  • You can get homeowner’s insurance, life insurance, and your car insurance from the same place and obtain discounts this way as well.
  • Getting a discount is also a possibility as the member of a union or a professional union of any sort.  Most places have pre-fixed negotiated rates that they make available for their employees.

Comparing motor car insurance rates online is one of the simplest and most hassle-free ways of helping you save money on premiums payable.

Comparison websites are a great way of looking at multiple quotes at the same time.

Keep in mind one aspect though: simply choosing the cheapest policy is not really a good idea.

Such policies generally have ceilings or cut-off points as to what and how much you are entitled. They should not be mistaken for being comprehensive policies.

Once you are satisfied with the site and the kind of policy you want to opt for, you can choose to talk to a representative of the company to clear any doubts that you may have.

Ask questions even if you think you know the answers; things are always changing.

The rule of thumb is that the representative should be able to anticipate your needs and answer accordingly.

This is the simplest way of getting the best deal. Also, don’t forget to try our FREE car insurance comparison search and find the best car insurance companies!

Enter your zip code below and compare car insurance quote for FREE!

References:

  1. https://www.usatoday.com/story/news/nation/2013/04/16/aaa-car-ownership-costs/2070397/
  2. https://www.allstate.com/tools-and-resources/car-insurance/help-lower-auto-premiums.aspx
  3. http://www.rmiia.org/auto/steering_through_your_auto_policy/Filing_an_Auto_Claim.asp
  4. https://www.statefarm.com/insurance/liability/personal-umbrella-policy
  5. https://www.farmers.com/home/homeowners/