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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It’s all about you. We want to help you make the right coverage choices.

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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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No normal person likes having to buy auto insurance, particularly when they could find better prices if they shop around. Companies like State Farm and GEICO all claim big savings, bombarding you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and find the best price available.

Compare insurance coverage quotes

Most major insurance companies such as State Farm, Allstate and GEICO provide prices on their websites. Getting quotes is pretty painless as you just type in the coverage amounts you desire on the page. Once entered, the system requests your driving record and credit report and generates pricing information based on these and other factors. This streamlines rate comparisons, but the time required to go to multiple sites and type in the same data can get tiresome after awhile. But it’s very important to have as many quotes as possible if you are searching for the lowest price.

Keep reading for an easier way to compare prices

The smarter way to get multiple rate quotes makes use of a single form that gets prices from a lot of companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. After your information is entered, it is quoted with multiple companies and you can pick any or none of the pricing results.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

To get comparison pricing now, click here and submit the form. If you have your current policy handy, we recommend you complete the form with the insurance coverages identical to your current policy. This way, you will have rate comparison quotes for similar insurance coverage.

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

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When to get professional advice

When it comes to buying coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • What is an SR-22 filing?
  • Are rental cars covered under my policy?
  • If my pet gets injured in an accident are they covered?
  • Should I get collision insurance on every vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my custom paint covered by insurance?
  • What is high-risk coverage and where do I buy it?
  • Does my policy pay for OEM or aftermarket parts?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Having a good grasp of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. 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 values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, pain and suffering, attorney fees, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Jaguar XJ-Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, surgery, dental work and prosthetic devices. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage