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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Key takeaways...

  • Finding affordable car insurance is easy than you think
  • Using online comparison sites streamlines the process
  • Always compare at least three different quotes before making a decision

With inflation on the rise but salaries stuck on one level, everybody wants something for as little money as possible; and the same goes for auto insurance.

There are millions of people around the United States looking for how to get affordable car insurance quotes online. The good news is that this is possible just by following the next tips.

You will receive multiple car insurance quotes for FREE when you enter your zip code above.

Table of Contents

Compare Your Quotes

When you get the renewal notice, the last thing that you want to do is accept it. There are high chances that you will find something cheaper elsewhere.

Once upon a time, it took hours scouring through the different companies, calling them, putting your details in and then getting a quote from them.

With the internet, it has been made much easier. There is no longer the need to go to the separate companies when there are price comparison websites.

These price comparison sites list the different insurance companies available to compare quotes.

This is a quick and easy way to compare your quotes online and find out who will offer you the cheapest and most affordable deal.

The main benefit is that you only need to fill out one form on a site and you will get quotes from all of the companies that pay for the service.

You can search almost all the insurance companies without having to give the same details over and over again. This is where you save some time.

However, once you have the quotes, it is worth taking the cheapest three to five and going to their websites.

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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Giving Extra Information

When you go through the price comparison websites, they just want the basic information. They will ask about your personal details, the make and model of your car, how old the car is and your driving record.

They will not go into too much detail about your driving record.

They just want to know if you have any driving convictions or crashes within a certain amount of years.

Once you have the cheapest three to five companies, it is worth going directly to their website.

This is worth doing if it will help you save money on your car insurance. For example, a teenager may be able to input the details of their school card and get the good student car insurance discount.

This is a great way to save money but it will take a little extra time.

Your Details Matter

There are some details that will affect your car insurance quotes considerably – some of these you can make changes to and some you cannot.

For example, your driving record will have a direct effect on your quote.

If you have had numerous crashes behind you, you will be classed as a high-risk driver and your quote will reflect that.

While you cannot legally omit these details, there are some details that can be changed to make you look more favorable. One of the big ones is your current employment.

If you have a sensible job, a car insurance company is more likely to look at you favorably.

If you only drive your car during the daylight hours, you will be seen as a lower risk than someone who drives their car at night. and that will help you find a low priced car insurance policy.

You cannot change where you work but you can look at your job title. Put something in that makes sense – that the auto companies have heard of.

Change Your Deductibles

To be able to get low-cost car insurance quote online, it is worth looking at the deductibles that you are inputting.

The higher your deductibles, the cheaper your car insurance will be. The deductibles are the amount that you will pay for the repair work on your car or towards your medical bills before the company pays out.

Insurance companies generally do not like having to pay out money so will reward you for putting that amount higher.

However, you will need to remember that you will need to pay that amount of money when it does come to a claim, especially if you are at fault.

The last thing you want to find is that you have put the deductibles so high that you cannot afford them, just to be able to get the more affordable insurance quotes.

When it comes to finding affordable insurance quotes online, you will need to start with the comparison websites. You’ll have the chance to look at all of the different insurance companies and compare them all at once!

Find affordable car insurance quotes now! Enter your zip code below to compare quotes for FREE!

References:

  1. http://www.cbsnews.com/8301-505144_162-51420355/car-insurance-save-money-by-switching/
  2. https://www.progressive.com/
  3. https://www.thebalance.com/how-to-get-the-cheapest-car-insurance-527549
  4. https://www.geico.com/save/discounts/car-insurance-discounts/
  5. http://www.21st.com/auto-insurance-information/understanding-car-insurance-deductibles.htm
  6. https://www.nationwide.com/index.jsp