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: Jul 8, 2021

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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.

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No one likes to over-pay for anything. While there aren’t sales or coupons for auto insurance, there are some ways to save money on it. Comparing auto insurance companies and their rates is one of the best ways to save.

Start saving now – just type in your ZIP code to get FREE quotes from multiple auto insurance offers and policies!

When getting quotes from different companies, make sure you are comparing quotes for the same type of policy.

If one company gives you a quote for a policy with a $500 deductible and another gives you a quotes with a $1000 deductible, it’s not a good comparison.

How to Differentiate Policies

Of course, it’s also a good idea to get quotes with different deductible amounts. This will give you a good idea of how much raising your deductible might save you.

Just remember to always have the amount of your deductible in the bank since you never know when you’ll need it.

Also look for the same amounts of coverage. Remember most experts recommend carrying 100/300/50 liability insurance above your state required auto insurance level.

This means that your insurance company will pay up to $100,000 in medical expenses per person and up to $300,000 per accident.

It will also cover damages to the other vehicle up to $50,000. This will cover most situations. However, some insurance companies will only quote the state minimums unless you specify this coverage.

Experts also recommend reassessing your insurance needs once a year. This is a good time to decide whether you need to change your coverage.

Perhaps your paid-off car is getting old enough that it no longer makes sense to maintain comprehensive and collision coverage on it. Or maybe you have a 16 year old you need to add.

Know the different sections of your policy so you can understand what they are charging for each part. For more information about what is, and is not, covered by the different parts of car insurance, visit the Insurance Information Institute.

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Not All Insurance Companies Are the Same

Not all insurance companies are the same. Just as specialty clothing boutique has a different clientele than a dollar store, some insurance companies cater to certain groups of people.

For example, some companies reach out to military personnel and their families.

These companies might give them greater discounts than other, more general companies. Other companies concentrate on serving people who just want enough insurance to stay legal.

Therefore, not all companies will charge the same premium for the same drivers and vehicles. This means that just getting a quote from one company, or assuming the company you’ve been with for years has the best rate, won’t give you the full picture.

Getting quotes from several companies can give you a better idea of the amount you should be paying.

One way to compare providers is by looking at an independent ranking of the auto insurance companies. Standard and Poor rates companies of all kinds and can help give a picture of the financial security of an insurance company and the size of their business.

Of course, getting quotes from different companies can take some time.

While spending some time to make sure you aren’t paying any more than you have to is a good thing, you can make it easy on yourself. We’ve taken a lot of the work out of the process for you.

With our easy to use website, you can type in your information just once and get several quotes from different companies.

Compare Discounts

One of the biggest differences between insurance companies and their premiums is the discounts they offer. For example, getting your car insurance from a different company than your homeowner’s or renter’s insurance could be costing you money.

Most companies will give you a pretty large discount on both if you have both policies with them.

There are so many discounts that insurance companies are offering that it is important to make sure you get as many as you are eligible for.

Some examples include:

  • Safe driver (no tickets or accidents in the last 3-5 years)
  • Multi-car (having more than one vehicle on the policy)
  • Good student (if you have a young driver on the policy who makes good grades, this could save you big)
  • Driver’s safety education (if you’ve taken a defensive driving course in the last year)

These are just a few of the possibilities. Another question to ask is how the company handles tickets and accidents. Do the rates automatically go up? Some companies will only raise rates after the second accident.

If you’re deciding between two different companies, a benefit like this could be the deciding factor.

Remember to type your ZIP code to save money on auto insurance the fast and FREE way!