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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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Are you tired of being strong-armed to buy insurance coverage? You’re in the same situation as many other consumers. Insurance companies such as GEICO, 21st Century and Progressive persitently shower you with fancy advertisements and it is difficult to ignore the promise of big savings and find the best price available.

Free insurance quotes

Shopping for lower insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use online quoting to get pricing more quickly.

Most major companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions for every insurance company. To compare pricing click here to open in new window.

The one downside to using this type of system is that consumers can’t choose the providers to get quotes from. So if you want to select from a list of companies to request quotes from, we have a listing of insurance companies in your area. Click to view list.

Which method you use is up to you, but try to keep equivalent coverage limits and deductibles for each price quote. If the quotes have differing limits you will not be able to get a fair rate comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Find discounts to get cheap insurance rates

Some insurers do not advertise all their discounts very clearly, so here is a list some of the more common as well as the least known ways to save on insurance.

  • Multiple Vehicles – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Own a Home – Owning your own home or condo can save a few bucks because of the fact that having a home is proof that your finances are in order.
  • New Vehicle Savings – Putting insurance on a new car is cheaper since newer vehicles have better safety ratings.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may get savings of 20% or more.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

A few popular companies and the discounts they provide can be read below.

  • Esurance may have discounts that include Pac-12 alumni, online quote, emergency road assistance, anti-lock brakes, and good student.
  • The Hartford has discounts for bundle, air bag, driver training, anti-theft, and defensive driver.
  • AAA offers premium reductions for multi-policy, AAA membership discount, pay-in-full, anti-theft, and good driver.
  • GEICO has savings for daytime running lights, defensive driver, good student, federal employee, and anti-lock brakes.
  • State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, multiple policy, passive restraint, accident-free, safe vehicle, and good driver.

Before buying, ask all the companies which discounts you qualify for. A few discounts might not apply everywhere. For a list of insurance companies with the best insurance discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation may require specific advice.

  • Do I have any recourse if my insurance company denies a claim?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?
  • Why am I required to buy liability insurance?
  • Is my teenager covered with friends in the car?
  • Does my car insurance cover rental cars?
  • I don’t drive much so do I pay less?
  • Do I have newly-aquired coverage?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for things like surgery, rehabilitation expenses, dental work and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This covers damage to your V8 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, crashing into a ditch, backing into a parked car, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Audi V8.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.