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 23, 2020

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Key takeaways...

  • To get a quote you’ll also need some information about the cars, specifically the VIN, or vehicle identification number
  • When you decide to go with a particular company, they will check your official driving record, and find out more information about your vehicles
  • Auto insurance companies offer a wide range of discounts for things they want to encourage their customers to do or have. Make sure to check which ones you might be eligible for

If you feel like you’re paying too much for car insurance and are ready to shop for a new policy, where do you start? Can you get a free quote without committing to a policy? Yes, and that’s what we’re here for!

All you have to do to start getting FREE quotes for auto insurance is type your ZIP into the box!

Although you can go to the websites of individual insurance companies to get free quotes, that takes time.

Table of Contents

Going to Each Insurance Company

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Since insurance companies nowadays have websites, you can go to any company, enter some information, and get a free quote. The process is fairly easy. There’s just a lot of information to enter.

The insurance company will want the names and driver’s license numbers of the drivers, as well as their ages or birthdays and addresses.

You’ll also need some information about the cars, specifically the VIN, or vehicle identification number. If you don’t know it, you can find it on your current insurance policy or check your state registration information.

You’ll also need to be able to answer some driver’s history questions about each driver. For instance, have you received a traffic citation or had an at-fault accident in the last five years? Have you taken a defensive driving course?

Be truthful with your answers, as the company will definitely check the state records if you decide to draw up a policy with them.

If they find an accident you didn’t mention, your premium will be higher than your quote.

Also, take some time to learn about features on your cars that can lower your costs. Know what safety features you have anything from daytime running lights to stability control and airbags.

Any anti-theft devices could be helpful in lowering costs as well. Mention anything like engine immobilizers or car-locating devices.

If you’re unfamiliar with some of the modern safety features, read Consumer Report’s rundown of them.

The major downside to contacting the companies individually is that you’ll have to give each one this same information again and again. Not only is this tedious; it wastes your time.

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Try CarInsuranceCompanies.com

Here at CarInsuranceCompanies.com, you get the same results with a lot less time and effort. And in the end, it will save you money!

CarInsuranceCompanies.com is a special search engine just for auto insurance.

When you enter your information, we search for companies that will best serve your geographic area and then send your information to a wide assortment of those providers. Within minutes, you get quotes from several different companies.

Except that you have found a smarter way to do it. You only had to enter all that information once. Remember that car insurance quotes are really just estimates. The actual premium could vary by a few dollars.

When you decide to go with a particular company, they will check your official driving record, and find out more information about your vehicles. This could make small changes to the policy cost.

It’s important to be completely honest when entering information for a quote.

Shopping for a New Car

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Another time people often shop for new auto insurance is when they purchase new vehicles. If you’re wondering how much a car would cost for insurance each month, go ahead and use this site to get quotes for your new ride.

Even if you don’t have the VIN, you can often get a quote if you enter the make, model, and year of the vehicle.

Since certain digits in the VIN tell insurance companies many of the features of the vehicle, make a note of these features so you can enter them when asked.

This would include more than the safety and anti-theft features that we’ve already mentioned. If you’re looking at a four-door sedan that can come either with an automatic or standard transmission, specify what you would get, as it can make a difference.

Insurance providers will also want to know what size the engine is.

If you are in the market for a new car, keeping in mind the total cost of the vehicle is very smart.

Not only will you have to pay the car payment, but there are gas and insurance as well as maintenance to consider.

If you want some help finding vehicles with low cost of ownership, visit Car & Driver Magazine, where they’ve put together a list of the most inexpensive cars to own.

Compare Car Insurance Companies

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Liability

When you are getting a quote, be sure to specify the amount of liability you want to have on the policy. Some companies will quote the required amount for your particular state as a default unless you tell them otherwise.

There are actually three different parts of liability coverage, which are usually described using a series of three numbers, like 20/50/10.

The first number lists the amount of money in the thousands that your company will pay for medical expenses per person.

The second number is the limit of what they’ll pay for medical expenses per accident. The final number is the amount they’ll pay for property damage, which is usually the other car but might also be a mailbox, light pole, etc.

Why would you want to pay for more insurance than is legally required? Car insurance serves two primary purposes. It keeps you from getting a ticket for not having it, first of all.

Secondly, and most importantly, it serves as a protection to your finances if you are in a major accident.

The amount required by law varies from state to state, but they are all fairly low numbers.

In the example given above, if you hit another car and cause severe injuries, the costs could easily exceed $20,000 if the other driver spends a few days in ICU and needs surgery. If the car is totaled, the insurance company will only pay $10,000, no matter what it’s worth.

Thus, if the other driver had medical bills of $50,000 and you totaled his $25,000 vehicles, he could easily sue you for the $30,000 in medical expenses and $15,000 in property damage your insurance didn’t cover. And he’ll win since the accident was your fault.

Since most people don’t have $45,000 just sitting around, experts suggest raising your liability levels above the state levels. The suggested amount is 100/300/100. This amount will cover nearly every accident, even really bad ones.

This will also help keep you out of court, protecting your personal assets, like:

  • your home
  • your savings
  • your retirement accounts

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Comprehensive and Collision

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The other major part of car insurance is comprehensive and collision. While liability covers what you do to another car if you cause an accident, collision covers damages to your car in that same wreck. It does not cover your medical expenses.

You’ll need to look at adding PIP or medical payments to the policy for that coverage. Comprehensive coverage has a name that is a bit misleading. Many people think that if you buy a comprehensive policy, you’re covered for everything that could happen to your car.

While this isn’t quite true, comprehensive does cover many non-traffic-related events. Comprehensive is the part of the policy that replaces your car if it is stolen or fixes the hail damage after a big storm.

While you don’t choose the level of coverage for comp and collision the way you do for liability it depends on the value of the car you can help determine the cost of it to a certain degree. You can choose the deductible.

Both comprehensive and collision have a deductible that you must pay out-of-pocket before the insurance will pay for the rest of the repairs.

By raising the deductible to the highest level you can, you can save quite a bit of money on the premium for comprehensive and collision.

Raising it from $250 or $500 to $1,000 can save you as much as 40 percent off the premium, says the Insurance Information Institute. So decide before getting a quote what you want your deductible to be.

Just remember to put aside the amount of the deductible, such as in a separate savings account. Then don’t touch it until you need it for this purpose. You never want to be caught without the means to get your car out of the repair shop.

Don’t Forget about the Discounts

Auto insurance companies offer a wide range of discounts for things they want to encourage their customers to do or have. Be sure to go over any possible discounts when getting a quote or a policy, as these can make a big difference in the cost of your insurance.

One great discount many people overlook doesn’t affect the amount of coverage at all, just the way you pay.

If you can pay the entire six- or twelve-month premium upfront, many companies will give you a significant discount.

If that’s not feasible, ask if they do automatic payment withdrawals from your checking account. Allowing the company to do this can earn you a great discount with certain companies.

Don’t forget to stress things like a clean driving record or the good grades a young adult driver on the policy gets. Even agreeing to receive bills via email instead of through the mail can help reduce your premium.

Start your search for great quotes on auto insurance for FREE quote tool below by putting your ZIP into the box!

References:

  1. http://www.consumerreports.org/car-insurance/10-tips-to-save-on-car-insurance/
  2. https://www.creditsesame.com/blog/insurance/largest-auto-insurance-companies-us/
  3. http://www.consumerreports.org/cro/2012/04/guide-to-safety-features/index.htm
  4. http://www.caranddriver.com/features/the-10-least-expensive-cars-to-own
  5. http://www.iii.org/articles/understanding-your-insurance-deductible.html