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.

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.

Shop Online

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.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Opt Out

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.

Pay Annually

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.

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

Related posts:

  1. Are cheap auto insurance quotes legitimate?
  2. Where are the best places to get instant auto insurance quotes?
  3. Are online home and auto insurance quotes the best way to find savings?
  4. Why you should be careful of Cheap Car Insurance Ads
  5. Auto Insurance Quotes Online