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: Jun 22, 2018

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It’s all about you. We want to help you make the right coverage choices.

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If you’ve never shopped for insurance quotes online, you can be overwhelmed thanks to the incredible selection of insurers offering coverage.

Compare car insurance rate quotes

All major car insurance companies make it easy to get price estimates online. Getting online rates can be done by anyone because it’s just a matter of typing in the amount of coverage you want into the form. When the form is submitted, their quoting system requests reports for credit and driving violations and generates pricing information.

This streamlines rate comparisons, but the time required to go to several different sites and fill out multiple forms is a waste of time. But it’s necessary to have as many quotes as possible if you want to find the lowest possible prices on car insurance.

Isn’t there an easier way to compare rates?

The preferred way to compare rates requires only one form that gets prices from several different companies. It saves time, reduces the work, and makes online price comparison much more enjoyable. As soon as the form is sent, it gets priced and you can select any one of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

In order to compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the coverages exactly as they are listed on your policy. This helps ensure you’re receiving a price comparison for similar coverage.

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

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Do I just need basic coverages?

When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • Does car insurance cover theft of personal property?
  • Do I need special endorsements for business use of my vehicle?
  • How much can I save by bundling my policies?
  • Am I covered if I hit a deer?
  • Should I buy full coverage?
  • Should I have a commercial auto policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverage options for a 2012 Honda CR-Z

Knowing the specifics of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, fire damage, falling objects, damage from getting keyed and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for bills like X-ray expenses, ambulance fees and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, repair bills for other people’s vehicles, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2012 Honda CR-Z.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays for damage to your CR-Z caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.