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: Mar 3, 2018

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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.

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Nobody anticipates paying for insurance, especially knowing their premiums are too high.

Consumers have so many insurers to buy insurance from, and although it’s nice to have a choice, it makes it harder to find the best rates.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will most likely be able to save some money using this strategy. But vehicle owners benefit from understanding the methods companies use to price online insurance because it can help you find the best coverage.

Which insurance is cheapest?

There are several ways to compare insurance quotes, but there is one way that is less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you can utilize online quotes to achieve your goal.

Many popular insurance companies participate in an industry program that enables customers to submit one quote, and each participating company returns a competitive quote based on that information. This prevents consumers from doing form submissions for each company you want a rate for.

To enter your information into the quoting system, click here to open in new window.

The only downside to using this type of system is you cannot specify which carriers to receive prices from. So if you want to select specific providers to request quotes from, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use the same information for every company. If you compare different values for each quote it will be impossible to determine which rate is truly the best. Having just a slight variation in coverages can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting a lower rate. Not every company does online price quotes, so you should also compare rates from those companies as well.

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

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Cheaper rates with these discounts

Auto insurance can be pricey, but you might be missing out on some discounts that could help you make your next renewal payment. Some discounts apply automatically at quote time, but a few must be requested specifically before you will receive the discount.

  • Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization may earn a discount on auto insurance.
  • Government Employees – Federal government employees can earn a discount up to 10% on R8 coverage with select insurance companies.
  • Defensive Driver – Participating in a class that teaches defensive driving techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.

We need to note that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky. But all discounts should definitely cut your policy premium.

To see a list of auto insurance companies that offer multiple discounts, click here to view.

Car insurance can be complex

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Does my insurance cover my expensive audio equipment?
  • Who is covered by my policy?
  • Can I still get insurance after a DUI?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions, then you may want to think about talking to 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 car insurance companies in your area.

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Collision coverage protection

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

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a ditch, driving through your garage door, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for ambulance fees, funeral costs, X-ray expenses and hospital visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, a broken windshield, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Audi R8.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for liability

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, pain and suffering, attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.