Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

Full Bio →

Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jan 20, 2020

Advertiser Disclosure

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

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

Who doesn’t want to save some money today? There are so many different ways that you can cut down on your personal expenses to save money, but when you shop for auto insurance coverage, savings will be enjoyed over and over again each time you pay your premium.

Plus, changing insurance companies isn’t generally a difficult change that affects your lifestyle, such as cutting back on meals at restaurants might be. Of course, before you can start saving money on your car insurance coverage, first you have to find a few quotes to compare against each other.

Enter your ZIP code into the FREE auto insurance comparison tool now!

Start With Your Current Coverage

First, you will want to make a quick call into your current insurer to make sure they are providing you with the lowest rate possible. There may be additional discounts you can qualify for that are not being applied to your policy. These may include:

  • A multiple policies discounts for holding a life insurance, a homeowners, or another type of insurance policy with the same company
  • A safe driver discount
  • Discounts for having certain types of safety equipment installed on your vehicle

These are just a few of the many different types of discounts that are available to you, but they will vary from insurer to insurer. Further, be sure that you check on your current coverages with your current insurer.

If you want to get the lowest rate possible, drop your coverages down to meet minimum state law requirements.

A Rate Shopping Strategy

Now that you have the lowest rate possible that you can get from your current insurance company, your next step is to develop a strategy for shopping for rates.

There are numerous ways you can shop for rates today, but you do want to use an approach that provides you with the most rates to compare against each other.

If you are committed to getting the lowest insurance rates possible, you do not want to leave any stone unturned. Insurance rates will vary from insurance company to insurance company, and so the only way to make sure that you get the lowest rates is to put together as many rates as possible to compare against each other.

Why Shopping Online Makes Sense

You can shop around for insurance prices by calling each insurance company on your own. However, many people will find this process to be tedious, as it requires you to provide the same list of information to each one over and over again.

Just some of the information they may ask you for includes:

  • The make, model, and year of your car
  • Safety equipment installed in your car
  • Your driving habits, such as how far you commute to work
  • Your driving history
  • Your address and age
  • The amount of coverage you want

It can take a lot of time to repeat this information over and over verbally while someone on the other end of the phone manually types it into the computer. When you shop online, you simply enter the information in on your own into an online submission form. You can choose to enter the information to an insurance company’s website directly.

However, using a price comparison site allows you to enter the information into the computer a single time and receive potentially dozens of rates back in response.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

With Quotes in Hand

You can see that using a price comparison website to obtain numerous rate quotes is among the fastest and easiest ways to get rate quotes. However, your task of comparing rates only begins once you get the rates in hand to compare against each other.

A rate comparison site should generate “apples to apples” quotes for you to compare, so you shouldn’t have to worry about comparing quotes for different levels of coverage against each other.

Other factors, however, should be reviewed. These include:

  • The rating of the insurance company
  • Consumer reviews of the insurance company
  • Payment options available for your premium, especially if you need to pay for your premium on a monthly basis

Picking the Top Few Rates

You don’t have to read reviews on every company you have rate quotes from. Instead, pick only the top few companies that provided you with the lowest rates. These rates should receive a closer look from you to determine who solid the company is, how great the customer experience is overall, and if the company has the ability to meet your payment needs by offering flexible payment options.

This may sound like it would take a long time, but in reality, this can all be done online. Doing this basic internet research on perhaps three or four companies will take minimal time and effort on your part, and it helps to ensure that you move forward with the best insurance company possible.

Locking In Your Savings

If you are like many drivers, you will use a price comparison website to easily shop for rates and will learn that you actually can enjoy great savings by switching companies. To lock in the savings, you do want to contact the insurance company who provided you with the lowest rate to move your coverage to them.

You can select a date for coverage to begin, and often you do have to pay an up-front premium to get coverage, too. Then be sure you contact your current insurance company to cancel coverage with them.

This often has to be done in writing, so be prepared to email or fax a cancellation request along with an effective date for canceling your coverage.

This may sound like it would take a long time to do. However, the process of obtaining rates through a price comparison site only takes a few minutes at most.

Then researching the companies providing you with the top rate quotes also should take only a few minutes of your time, too.

Complete the Search

Altogether, the entire process from start to finish can often be completed in under an hour, and often this time frame is far shorter than that.

If you could take an hour of your time today to enjoy savings each and every month in the future, would you do it? You can get started by using a price comparison site today to generate some quotes for you as the first step.

Simply enter your ZIP code into the FREE tool below!