Jessica Sautter is a Content Writer for 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 8, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • You should always compare at least four different insurance quotes before making a decision
  • You select the deductibles, coverage limits, and other options when you request the quotes
  • Inquire about the different types of discounts you qualify for

Comparing auto insurance policies isn’t as hard as it may seem.  Thanks to modern-day technology, your next insurance provider is as close as a mouse click away.

With our FREE quotes tool, you can access all of the car insurance quotes you need today! Enter your zip code to get started now!

Comparison Shop


You should get quotes from at least four insurance companies.

Let the insurance companies come to you and compete for your business by using an online comparison site:

  • This free service not only saves you time but can mean big savings on your car insurance.
  • Fill out a single, simple form in about ten minutes and get back three or four quotes.
  • Consumer websites offer quotes from well-known, long-standing companies such as Allstate, Nationwide, and Geico, as well as some newcomers to the car insurance industry.

Many newcomers are actually subsidiaries of larger, well-known companies. For instance, Esurance is an Allstate company.

Other auto insurance companies are now able to reach more consumers courtesy of the Internet and consumer comparison sites.

Elephant Auto Insurance is owned by Admiral Group, which has been around for almost twenty years.

You will have to fill out a form for each company you want to compare and may not be comparing equal coverage.

Another alternative is to go directly to an individual insurance company’s website for a quote.

Finally, check with your state. Many states now have websites that allow individuals to compare insurance rates.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

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Compare quotes from the top car insurance companies and save

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Compare Apples to Apples

Insurance Company A may offer you a lower rate than Insurance Company B, but also higher deductibles and less coverage.

One of the advantages of using an insurance comparison site is knowing you are getting quotes based on the same criteria.

You select the deductibles, coverage limits, and other options when you request the quotes. The results will be quotes for basically equal policies.

Know Where You Stand


Understand five important variables car insurance companies use to set rates.

If you have had recent auto accidents or traffic tickets, your insurance rates will be higher than a driver with a clean record.

Knowing where you stand at the start will help you know what is affordable or reasonable priced car insurance for you as an individual driver.

  • Age and Gender – You can’t change these, but they do affect insurance rates. Drivers under the age of 25 have higher insurance rates, especially males.
  • Driving History – The more tickets and accidents a person has the higher their insurance rate tends to be.
  • Where You Live – Each state’s laws vary on car insurance requirements. Car insurance rates can vary greatly depending on which state you live in.
  • What You Drive – Newer cars cost more to insure. So do larger cars. Expensive cars cost more to insure than less-expensive cars. Safety and anti-theft devices can lower rates.
  • Credit Rating – Although you may think this has nothing to do with your car insurance, everyone from your employer to your landlord is using your credit history to make decisions. If your credit is less than stellar, understand that this may affect your insurance rate.

Consider Service

Comparing service is just as important as comparing rates.

The best rate is worthless if you are hassled over claims, can’t get answers to questions, or can’t even reach an agent.

Sites such as and provide consumer reviews and ratings.

If you know very little about car insurance, having a knowledgeable, helpful agent is important to make sure you have the right coverage for you at the best price.

Ask friends and family. Social media is good for more than updating your status.

Compare quotes from the top car insurance companies and save

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Look for Discounts


Car insurance companies offer a variety of discounts. Some of the most common ones include:

  • Good driver discounts
  • Good student discounts
  • Multiple vehicle discounts
  • Discounts for bundling car, home, or renters insurance
  • Defensive driver discounts
  • Anti-theft and safety feature discounts

Check for these and other discounts during your comparison.

The easiest way to find a car insurance policy for your budget is to enter your zip code into the FREE comparison tool below!