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 7, 2015

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Finding cheaper car insurance is challenging if you haven’t ever compared insurance using quote comparisons online. Don’t be bewildered because finding lower prices is actually fairly simple.

It is always a good idea to compare rates as often as possible because insurance prices go up and down regularly. Even if you got the lowest rate on SLR McLaren insurance on your last policy you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

This information will instruct you on the best way to quote coverages. If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. But vehicle owners should learn the methods companies use to sell insurance online and take advantage of how the system works.

Quote insurance online

Most companies such as State Farm, Allstate and GEICO allow you to get coverage price quotes online. Comparing rates online is easy for anyone because it’s just a matter of typing in your coverage preferences into the quote form. When complete, the company’s rating system requests your driving record and credit report and quotes a price based on these and other factors.

Online price quotes makes it a lot easier to compare rates but the time required to go to several different sites and type in your information is a waste of time. But it’s absolutely necessary to do this if you want to get the lowest insurance rates.

A less time-consuming method to find lower prices requires only one form to get prices from multiple companies. This type of form saves time, requires much less work on your part, and makes online price comparison much easier. Once the form is submitted, it is quoted and you are able to buy any or none of the resulting price quotes.

If you find a better price it’s easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare pricing, click here to open in new window and fill out the form. If you have a policy now, it’s recommended that you enter your coverages identical to your current policy. This helps ensure you’re receiving rate comparison quotes based on identical coverages.

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

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Take policy discounts and save

Insurance coverage is not an enjoyable expense, but you may be missing some discounts that could help you make your next renewal payment. Some of these disounts will be visible at the time you complete a quote, but once in a while a discount must be specially asked for before they will apply.

  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if offered at their school.
  • Accident Forgiveness – but a few companies such as State Farm and Allstate allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Multi-car Discount – Drivers who insure multiple cars or trucks on a single policy could earn a price break for each car.
  • Safety Restraint Discount – Requiring all passengers to fasten their seat belts could save 15% off the personal injury premium cost.
  • Resident Student – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle can receive lower rates.
  • Sign Early and Save – Select companies give a discount for signing up before your current coverage expires. Ten percent is about the average savings.
  • Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% on SLR McLaren insurance depending on your insurance coverage provider.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase a life policy as well.

Remember that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

A few of the larger companies and some of their more popular discounts are included below.

  • State Farm may include discounts for Drive Safe & Save, safe vehicle, student away at school, good student, accident-free, and Steer Clear safe driver discount.
  • GEICO offers discounts including anti-theft, military active duty, multi-policy, driver training, and federal employee.
  • Progressive offers discounts for online signing, multi-policy, good student, online quote discount, continuous coverage, and multi-vehicle.
  • 21st Century has discounts for defensive driver, theft prevention, air bags, good student, and homeowners.
  • American Family has savings for Steer into Savings, TimeAway discount, defensive driver, good student, air bags, and mySafetyValet.
  • The Hartford offers premium reductions for good student, air bag, defensive driver, driver training, anti-theft, and bundle.
  • AAA policyholders can earn discounts including pay-in-full, multi-policy, AAA membership discount, good student, and anti-theft.

If you want low cost car insurance quotes, ask each company to apply every possible discount. Some of the earlier mentioned discounts might not be offered everywhere. If you would like to see a list of providers that offer discounts, click here.

Which policy gives me the best coverage?

When it comes to choosing the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • Why am I required to buy liability insurance?
  • Why am I required to buy high-risk coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover my expensive audio equipment?
  • Is rental equipment covered for theft or damage?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like nursing services, funeral costs and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This will cover injuries or damage you cause to a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision coverages – Collision insurance covers damage to your SLR McLaren from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz SLR McLaren.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, a broken windshield, damage from getting keyed, rock chips in glass and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

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Final considerations

There are still a few companies who may not have online price quotes and many times these regional carriers provide coverage only through independent insurance agents. Cheap 2008 Mercedes-Benz SLR McLaren insurance can be bought both online and from local insurance agents, so compare prices from both to have the best selection.

When shopping online for car insurance, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

Drivers change insurance companies for many reasons like policy non-renewal, lack of trust in their agent, delays in responding to claim requests and poor customer service. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Additional detailed information can be found by following these links: