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 6, 2015

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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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.

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.

If online insurance comparisons are new to you, it’s easy to get bewildered by the diversity of online companies competing for your business.

Lower rates by qualifying for discounts

Car insurance can be pricey, but you may qualify for discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but a few must be requested specifically before they will apply.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn discounted car insurancerates on garaged vehicles.
  • Onboard Data Collection – Drivers who elect to allow companies to analyze where and when they drive by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as they are good drivers.
  • Paperwork-free – Certain companies may give you up to $50 just for signing your application on their website.
  • Discount for Home Ownership – Owning a house may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
  • Smart Student Discounts – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Defensive Driver Discount – Completing a defensive driving course is a good idea and can lower rates and also improve your driving technique.
  • Active Military Service – Being on active duty in the military may lower your premium rates slightly.

Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large car insurance companies and their possible discounts are shown below.

  • American Family policyholders can earn discounts including defensive driver, good driver, accident-free, multi-vehicle, and air bags.
  • State Farm offers discounts including multiple autos, defensive driving training, student away at school, anti-theft, and driver’s education.
  • 21st Century has savings for 55 and older, driver training, good student, defensive driver, and homeowners.
  • Travelers offers premium reductions for multi-car, driver training, good student, continuous insurance, payment discounts, multi-policy, and new car.
  • GEICO may offer discounts for good student, anti-lock brakes, military active duty, seat belt use, and multi-vehicle.

If you want low cost insurance coverage quotes, ask all the companies how you can save money. Some discounts listed above might not be offered on policies in your state. To view insurance companies that offer some of these discounts, click here to view.

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

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Buy car insurance online

Most larger insurance companies like 21st Century, Allstate and State Farm make it easy to get coverage price quotes online. Getting online rates is very simple as you just enter your required coverages into a form. After the form is submitted, their rating system automatically orders your driving and credit reports and quotes a price based on many factors.

Being able to quote online makes comparing rates easy, but the time required to go to many different websites and complete many quote forms gets old quite quickly. But it’s necessary to compare as many rates as possible in order to find the lowest price.

Quote rates the easy way

The easiest way to get multiple rate quotes utilizes a single form that analyzes rates from many companies. It saves time, eliminates repetitive work, and makes online price comparison much more enjoyable. After your information is entered, it is quoted and you can choose your choice of the pricing results. If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and can result in significant savings.

To get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you replicate coverages and limits identical to your current policy. This makes sure you are getting rate quotes based on similar coverages.

Car insurance is unique, just like you

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • Can I afford low physical damage deductibles?
  • Am I covered if I break a side mirror?
  • Do I have coverage if my license is suspended?
  • When would I need additional glass coverage?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like pain medications, surgery, doctor visits, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto liability

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your M5 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, crashing into a building, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2000 BMW M5.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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

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One last thing

Drivers who switch companies do it for many reasons like denial of a claim, being labeled a high risk driver, delays in paying claims and policy cancellation. Whatever your reason, switching companies is actually quite simple.

When shopping online for auto insurance, don’t be tempted to reduce needed coverages to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The goal is to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Cheaper auto insurance can be bought both online in addition to local insurance agencies, so get free insurance coverage quotes from both of them to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies only sell through independent agents.

More tips and info about auto insurance can be found by following these links: