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: Sep 11, 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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Wish you could get out of an overpriced auto insurance policy? Don’t sweat it because many consumers are in the same pinch. There are many insurance companies to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to get the best deal.

It is always a good idea to quote other rates on a regular basis due to the fact that insurance prices change regularly. Just because you found the lowest rate for 5 Series Gran Turismo coverage a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn the fastest way to save on auto insurance.

Finding the best rates is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Drivers just need to learn the proper way to get comparison rates over the internet.

Cheapest car insurance rate quotes

There are a lot of ways to compare car insurance quotes, but there is one way that is easier and takes less work. You can waste hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace where insurance shoppers submit their information once, and each participating company then returns a price quote for coverage. This prevents consumers from doing form submissions for each company you want a rate for. To compare pricing click here to start a free quote.

One minor caviat to doing it this way is you are unable to specify the companies you want pricing from. If you prefer to choose specific insurance companies to compare, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, make darn sure you compare apples-to-apples coverages with every price quote. If you compare different data you can’t possibly decipher which rate is best.

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

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Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Do I need higher collision deductibles?
  • Should I have a commercial auto policy?
  • Should I have combined single limit or split liability limits?
  • How does medical payments coverage work?
  • Is extra glass coverage worth it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does car insurance cover theft of personal property?
  • Where can I find DUI or SR-22 insurance?
  • What if I owe more than I can insure my car for?
  • Can I afford to buy a different vehicle if my 2011 BMW 5 Series Gran Turismo is totaled?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured and underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2011 BMW 5 Series Gran Turismo.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, colliding with a tree, driving through your garage door, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability insurance covers claims such as medical services, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, damage from a tornado or hurricane, vandalism and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for doctor visits, prosthetic devices, hospital visits, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible