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...

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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...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jan 19, 2022

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It sure would be nice if there was one company that you could call on for cheap auto insurance today. Unfortunately, it seems as though almost every insurance company runs ads on TV and the radio that promise to help you save money on your auto insurance.

You may have wondered how so many insurance companies can get away with making the same promise to consumers.

To compare auto insurance rates easily, simply enter your ZIP code into the FREE tool above!

The fact is that insurance companies calculate their rates in different ways, and so one insurance company may very well offer the best rates on car insurance for one driver while another insurance company has the best rates for another driver.

Of course, what you want to know is which auto insurance company has the lowest rates for you.

The Importance of Shopping for Rates

There are literally dozens of auto insurance companies who you can choose to get rate quotes from today.

Because each one calculates rates differently and each also offers unique discounts for additional savings, it is not possible to know which one will offer you the best deal on auto insurance unless you get rate quotes from them.

While some drivers may be comfortable getting two or three quotes and taking the best deal they can find, if you want to find really cheap auto insurance, you do want to gather together a larger number of rate quotes to compare against each other.

The Best Way to Shop

It can take a lot of time to call dozens of insurance companies for rate quotes.

During a typical phone call with an insurance company, they may ask you for such details as:

  • the amount of coverage you want in place
  • the deductible you want
  • the make, model, and year of your car
  • safety equipment in your car like anti-lock brakes and air bags
  • if your car has a theft deterrent system installed
  • information about your driving history
  • your age, gender, and home address

It can take a lot of time to relay this information to a single company. Relaying it verbally to dozens of companies can take several days worth of time and effort.

You can actually gather rate quotes faster and easier by using an auto insurance rate quote comparison website.

These websites allow you to input some basic information about you and your vehicle into a form, and then it will generate rate quotes from numerous insurance companies for you.

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Your Coverage

When shopping for rates, you will be asked what amount of coverage you want in place on your policy.

When you file an insurance claim, you pay a deductible out-of-pocket, and then the insurance company will pay for all additional costs up to the coverage limits in place on your policy.

The coverage limits are flexible, but you do want to ensure you opt for coverage that meets minimum state insurance requirements.

Most states do have minimum requirements in place. Purchasing a policy with the minimum coverage required by law is a great way to save money on your premium.

Your Deductible

You do have control over the coverage you purchase, provided it meets minimum state law requirements. You also have control over your deductible amount.

Insurance companies generally offer you a range of deductible options, and this range will vary slightly from insurance company to insurance company.

It is common for drivers to choose a $500 deductible.

This is often a mid-range deductible that keeps premium costs low and that is affordable for most drivers to pay out-of-pocket if they do get in an accident. However, if you choose a higher deductible, your premium cost will be lowered.

So opting for the highest deductible that you can afford will give you the best deal on your insurance rates.

Advice for the Future

These tips can help you to find the best rate on your insurance policy today with the least amount of time and effort. However, it is important to note that insurance companies adjust their rates regularly.

Further, some of the factors that are reviewed to determine rates change over time, such as your driving history and the repair costs associated with the vehicle you are insuring.

Many people who shop for new rate quotes annually can find savings on their insurance regularly.

However, it is important to note that some insurance companies offer discounts for drivers who renew their policy or for drivers who have established a safe driving history for a certain number of years under a policy.

So sometimes it can pay to switch insurance companies, while other times it may be beneficial to stay with your current insurance company.

It is a good idea to shop for rates each year and to contact your existing insurer each year to learn about possible savings available if you renew.

It makes sense that you would not want to pay more for your insurance coverage than you need to. You can put some of these tips into practice today while you shop online for car insurance rate quotes.

This is a fast and easy way to find cheap insurance. Just enter your ZIP code into the FREE comparison tool now!

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