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: Nov 14, 2017

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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.

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.

Want better insurance rates for your Mercury Milan Hybrid? Scraping up a payment for overpriced Mercury Milan Hybrid insurance can consume your checking account and put the squeeze on your family’s finances. Shopping your coverage around is a fast and free way to tighten up your finances.

Due to the increasing number of online and local companies to choose from, it is very difficult to find the best insurance provider.

It’s a great practice to get comparison quotes quite often because insurance rates fluctuate regularly. Just because you had the lowest premium rates for Milan Hybrid insurance six months ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate how to quote online to find great coverage at a great price.

How to find the cheapest car insurance

All major car insurance companies allow consumers to get coverage price quotes on the web. This process is pretty easy because you just enter the amount of coverage you want as detailed in the form. When complete, their rating system orders your driving record and credit report and returns pricing information based on the information you submitted. Online price quotes helps simplify price comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is a big time waster. But it is imperative to get many rate quotes in order to get lower prices.

Online rates the easy way

A quicker way to locate the lowest prices requires only one form that gets price quotes from many companies. The form is fast, reduces the work, and makes rate comparisons much more efficient. After sending your information, it is quoted with multiple companies and you can pick any one of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

To find out how much you’re overpaying now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you duplicate coverages and limits identical to your current policy. Doing this guarantees you will have a rate comparison using the same coverage and limits.

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

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More affordable rates with these discounts

Some companies don’t list all possible discounts very well, so below is a list some of the best known in addition to some of the lesser obvious credits available to you.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may earn up to 20% and get you cheap insurance.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower rates.
  • Memberships – Being in qualifying employment or professional organizations could qualify you for a break on your policy.
  • Sign Online – A few larger companies will give a small break simply for signing digitally online.

Please keep in mind that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will definitely reduce the amount you pay for coverage.

Popular car insurance companies and the discounts they provide can be read below.

  • GEICO offers discounts for good student, anti-theft, defensive driver, air bags, and membership and employees.
  • Auto-Owners Insurance discounts include air bags, group or association, student away at school, anti-lock brakes, teen driver, mature driver, and paid in full.
  • American Family offers discounts including TimeAway discount, accident-free, Steer into Savings, good student, good driver, and mySafetyValet.
  • Esurance may offer discounts for safety device, online shopper, emergency road assistance, anti-lock brakes, multi-policy, claim free, and Switch & Save.
  • Progressive may have discounts that include continuous coverage, online signing, multi-policy, multi-vehicle, homeowner, and online quote discount.
  • State Farm policyholders can earn discounts including passive restraint, defensive driving training, student away at school, Drive Safe & Save, good student, accident-free, and Steer Clear safe driver discount.
  • AAA has savings for good student, education and occupation, multi-car, pay-in-full, AAA membership discount, multi-policy, and good driver.

It’s a good idea to ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your area.

Insurance coverage can be complex

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • What is no-fault insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • Do I need roadside assistance coverage?
  • Are split liability limits better than a combined single limit?
  • Do I really need UM/UIM coverage?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Having a good grasp of auto insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Liability insurance

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, court costs, bail bonds, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage and a broken windshield. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your Milan Hybrid 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 can pay for claims like rolling your car, hitting a mailbox, colliding with a tree, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for rehabilitation expenses, ambulance fees, surgery, prosthetic devices and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.