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: Feb 28, 2018

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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 overwhelmed by the wide range of auto insurance companies available to you? You have so many options that it can quickly become hard work to lower your rates.

Find discounts on car insurance

Some companies do not advertise all disounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • No Claims – Claim-free drivers pay much less in comparison with accident-prone drivers.
  • One Accident Forgiven – This isn’t a discount exactly, but certain companies allow you one accident before they charge you more for coverage if you are claim-free for a set time period.
  • Driving Data Discount – Drivers who agree to allow data collection to analyze driving patterns remotely like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
  • College Student Discount – Youth drivers who live away from home at college and do not have a car can receive lower rates.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.

As a sidenote, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will help lower your policy premiums.

Large car insurance companies and some of their more popular discounts are included below.

  • State Farm includes discounts for driver’s education, multiple policy, defensive driving training, student away at school, and good driver.
  • Farmers Insurance offers premium reductions for early shopping, switch companies, pay in full, homeowner, and teen driver.
  • Progressive has savings for multi-vehicle, online signing, good student, multi-policy, and online quote discount.
  • GEICO has discounts for federal employee, anti-lock brakes, daytime running lights, good student, military active duty, anti-theft, and multi-policy.
  • Auto-Owners Insurance may have discounts that include multi-policy, teen driver, mature driver, anti-lock brakes, air bags, and good student.
  • The Hartford offers discounts including bundle, air bag, anti-theft, driver training, vehicle fuel type, good student, and defensive driver.
  • Farm Bureau policyholders can earn discounts including youthful driver, safe driver, multi-policy, renewal discount, driver training, multi-vehicle, and 55 and retired.
  • USAA may offer discounts for military installation, new vehicle, annual mileage, multi-policy, good student, and safe driver.

If you want the cheapest car insurance quotes, ask each company to give you their best rates. Some credits may not be available everywhere.

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

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Tailor your insurance coverage to you

When it comes to buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether or not you will benefit from professional help.

  • Why is insurance for a teen driver so high?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage if my license is suspended?
  • What can I do if my company won’t pay a claim?
  • What are the best liability limits?
  • Is a fancy paint job covered?
  • Is pleasure use cheaper than using my 2003 Audi allroad quattro to commute?
  • When can I cancel my policy?
  • Should I rate my 2003 Audi allroad quattro as pleasure use or commute?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance savings promises

Big name companies like State Farm and Allstate constantly bombard you with television and radio advertisements. They all seem to try to convey promises that drivers can save some big amount after switching your coverage. How can each company make almost identical claims? This is how they do it.

Many companies can use profiling for the type of driver that earns them the most money. A good example of a profitable risk profile could possibly be over the age of 45, owns a home, and has a short commute. Anybody that hits that “sweet spot” will get the preferred rates and most likely will save a lot if they switch.

Potential customers who are not a match for this stringent profile may receive more expensive rates which leads to the customer buying from someone else. The ads say “customers who switch” not “all people who quote” save that much. That’s why insurance companies can confidently state the savings. That is why it is so important to get car insurance quotes as often as possible. It’s impossible to know which company will have the best car insurance rates.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding, fire damage, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, funeral costs, pain medications and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi allroad quattro.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision – This coverage pays for damage to your allroad quattro from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

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. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like structural damage, medical services, attorney fees, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

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

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Coverage on a shoestring budget

Cheaper 2003 Audi allroad quattro insurance can be purchased from both online companies and from local agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and many times these smaller companies prefer to sell through local independent agents.

Consumers who switch companies do it for any number of reasons including poor customer service, not issuing a premium refund, unfair underwriting practices and even policy cancellation. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

When you buy car insurance online, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Much more information about car insurance can be found at these links: