Where can I get cheap auto insurance quotes?
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UPDATED: Jan 20, 2020
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In the United States, each state requires drivers to maintain car insurance coverage. The amount of car insurance coverage required will vary state by state, but all states have minimum coverage requirements in place. Some drivers on roadways today are not insured, however, because of the high cost of coverage.
Others are insured but would love to find a way to pay less for their coverage than they are currently paying. If you are one of these individuals, you may be wondering where you can look to find cheap auto insurance quotes.
Be sure to enter your ZIP code into the FREE comparison tool for a list of auto insurance coverage quotes!
Learn Your State’s Insurance Requirements
Before you start shopping around for insurance, you first want to take a few minutes to research what the minimum auto insurance coverage requirements are for your state. If your concern for obtaining coverage is simply to obtain the minimum to meet the law’s requirements, you want to shop for coverage that meets these requirements.
If you currently have auto insurance, you may want to double check that your current policy does not have coverages that exceed the minimum requirements. If you find that your existing coverage does exceed minimum requirements, ask your insurance agent for a quote for reduced coverage.
Shopping online for rate quotes is among the most time-saving options available. There are several rate comparison websites available that will take your information through an online form and generate numerous quotes from different car insurance companies for you.
Some of the information a rate comparison site may ask for includes:
- Year, make, and model of your vehicle
- Vehicle identification number
- If your car has safety equipment like air bags, anti-lock brakes, and more installed
- Driver’s license number
- Your driving history
- How many miles per year you drive
- Your age
- Your address
- Coverage you are requesting
Analyze the Quotes
One of the great things about using an auto insurance rate comparison website is that in most cases the quotes you get back will reflect a premium for the same coverage limits. This gives you the ability to quickly and easily analyze the quotes and narrow down the quotes by the lowest price.
However, you should avoid the impulse to purchase insurance based on these rate quotes alone. Additional savings may be available to you.
Ask for Discounts
Each auto insurance company will offer discounts for different situations. One may provide you with a discount if you transfer your life insurance or homeowner’s insurance policy to the company.
Others may provide you with a discount if you have taken a driver’s safety course recently.
These are just a few of the very many discounts you may qualify for, and rate comparison sites often do not include these discounts in their quotes.
So you will want to call the top companies with the lowest rates and ask about discounts.
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Many car insurance policies include add-ons that increase your premium. While you may find some of the add-ons beneficial at some point, you can save money by opting out of them. Some of these include optional coverage for rental car reimbursement, roadside service, and more.
The rate quotes you receive on a rate comparison site may have these add-ons built into the rate, but in many cases, you can opt out of them by contacting the company directly to request a revised quote with those add-ons removed.
You can ask an agent about this at the same time you call to ask for discounts you may qualify for.
Most insurance companies provide you with the ability to pay for your coverage each month, every six months, or every year. Your best option for saving money is to pay the full premium amount at once.
Most companies will charge you a convenience fee or processing fee for setting the premium up with a payment plan. This fee often is only a few dollars per month, but it can add up over the course of a year.
Making Your Decision
As you can see, rate comparison sites are a great resource to you that can drastically cut down the time and effort required to get quotes from insurance companies.
However, with additional savings available through discounts and opting out of various add-ons that are built into a quote, you may be able to save even more money.
Most people will not want to spend time calling each company directly for a revised quote, and so it often works well to simply take the top three or four rates you receive from a rate comparison site and then contact those companies for revised rate quotes.
Look for Future Savings
One last thing to consider when comparing rates is the opportunity to find future savings on your rate. Some companies offer discounts for renewing your coverage, for not having an accident or other claims within the last calendar year, or for taking the company’s own driving safety course.
If you have two quotes for coverage that are very similar, the opportunity of future savings with one company may be a deciding factor for you.
You can get started shopping for cheap auto insurance today by using a rate comparison site and then continue to look for deeper savings through the efforts described here.