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 6, 2015

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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.

I can’t think of anyone who looks forward to buying car insurance, in particular when the cost is too high. Insurance companies such as Allstate and Progressive continually hit you with ad campaigns and it is difficult to separate fact from fiction and take the time to shop coverage around.

If you have insurance now or are shopping for new coverage, you will benefit by learning to cut your premiums and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to understand the proper way to shop their coverage around over the internet.

Compare car insurance quotes

Effectively comparing car insurance prices can be a daunting task if you don’t know the easiest way. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Many insurance companies enroll in a system that enables customers to only type in their quote data once, and each company returns a competitive quote based on that data. This prevents consumers from doing quote forms to each individual car insurance company. To participate in this free quote system, click here to open in new window.

The single downside to pricing coverage this way is that you can’t choose the insurers to receive prices from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use identical deductibles and coverage limits for each price quote. If the quotes have mixed coverages it will be nearly impossible to make a fair rate comparison.

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

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Insurance Discounts

Not many people think insurance is cheap, but there may be some discounts that can help lower your rates. Certain discounts will be applied when you purchase, but once in a while a discount must be specially asked for before you will receive the discount.

  • Own a Home and Save – Just being a homeowner may trigger a policy discount on insurance since owning and maintaining a home shows financial diligence.
  • Multiple Vehicles – Drivers who insure several vehicles on a single policy can get a discount for every vehicle.
  • No Accidents – Insureds who avoid accidents and claims can save substantially when compared to frequent claim filers.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Switch and Save Discount – A few insurance companies allow discounts for signing up before your current coverage expires. Ten percent is about the average savings.
  • Good Student – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.

As a footnote on discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, you’re out of luck.

Some of the insurance companies who might offer some of the discounts shown above possibly include:

Before buying, ask all the companies to give you their best rates. A few discounts may not apply to policyholders in your area. To see a list of insurers with discount insurance rates, click here to view.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Does my insurance cover a custom paint job?
  • Am I covered when driving in Canada or Mexico?
  • What exactly is covered by my policy?
  • What is the rate difference between pleasure use and commuting?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Get more affordable insurance with these tips

Many things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious such as your credit history or how safe your car is.

  • Safer vehicles lower insurance rates – Safe vehicles tend to have better insurance rates. Safer cars protect occupants better and lower rates of occupant injuries means less claims paid which can mean better rates for you.
  • Marriage discount – Your spouse may cut your premiums when shopping for insurance. It demonstrates that you tend to be more stable financially and it’s proven that drivers who are married are more cautious.
  • Prevent theft and save – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Where you live can influence premiums – Having an address in areas with lower population may provide you with better prices when buying insurance. Residents of big cities have more aggressive driving styles and more severe claims. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims.
  • You might want pay the minor claims yourself – If you’re an insured who likes to file claims you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies provide cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Liability claims can be big – A critical coverage on your policy, liability insurance will provide protection when a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Premiums are high for teenagers – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.Beginning drivers are statistically proven to be less responsible when driving with friends and because of this, their insurance rates are much higher.

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

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Auto insurance coverages

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Collision coverage – This coverage will pay to fix damage to your X6 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like rehabilitation expenses, hospital visits, ambulance fees, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as medical services, repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Don’t break the bank

Discount 2011 BMW X6 insurance is available both online and also from your neighborhood agents, so you need to shop auto insurance with both to have the best selection. A few companies may not have the ability to get quotes online and these smaller companies only sell coverage through independent agents.

When getting auto insurance quotes online, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured cut collision coverage and learned later they didn’t have enough coverage. Your goal should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

To learn more, feel free to visit the resources below: