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: Feb 26, 2018

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Searching for discount car insurance over the internet can appear to be impossible for drivers that are not comfortable with quoting and comparison shopping on the internet. With dozens of companies in the marketplace, how can drivers even start to compare each option to find better rates?

Buying the cheapest protection is easy if you know what you’re doing. Essentially every driver who is required by state law to have car insurance stands a good chance to be able to find lower rates. Nevertheless, car owners must learn how companies sell insurance online and take advantage of how the system works.

How to get insurance price quotes

Most major insurance companies make it easy to get coverage prices from their websites. The process is quite simple as all you need to do is type in your personal and coverage information as requested by the quote form. Upon sending the form, the quote system orders credit information and your driving record and returns pricing information.

This makes comparing rates easy, but the time required to go to several different sites and enter the same data into a form is monotonous and tiresome. But it is imperative to have as many quotes as possible if you want to find lower prices.

There is a better way!

The quickest way to locate the lowest prices uses one form that gets prices from several different companies. The form is fast, requires less work, and makes rate comparisons much more efficient. Once the form is submitted, your coverage is rated and you can choose any one of the quotes returned.

If you find a better price you simply finish the application and purchase coverage. This process takes less than 15 minutes and may result in a nice savings.

In order to use this form to compare rates, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended that you enter the coverage information as shown on your current policy. Doing this assures you will have comparison quotes for exact coverage.

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

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Verify you’re getting every discount

Some companies don’t always publicize all their discounts very clearly, so here is a list some of the more common and the more hidden discounts that you can inquire about if you buy insurance online.

  • Driver Safety – Completing a class that teaches defensive driving techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • E-sign Discounts – A handful of car insurance companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • More Vehicles More Savings – Buying coverage for primary and secondary vehicles on one policy qualifies for this discount.
  • New Vehicle Savings – Insuring a new car can get you a discount due to better safety requirements for newer vehicles.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you could save up to 5%.
  • Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts as much as 30%.
  • Telematics Data – Drivers who agree to allow driving data collection to analyze when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
  • Federal Employees – Active or former government employment may reduce rates when you quote insurance for Express Cargo coverage depending on your company.
  • Multi-policy Discount – If you combine your auto and homeowners policies with the same insurance company you could earn a discount of 10% to 20% off each policy.

Drivers should understand that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and some of their more popular discounts are outlined below.

  • Travelers has discounts for student away at school, hybrid/electric vehicle, early quote, multi-car, IntelliDrive, multi-policy, and payment discounts.
  • 21st Century discounts include theft prevention, driver training, early bird, teen driver, homeowners, and good student.
  • State Farm offers discounts for Steer Clear safe driver discount, safe vehicle, anti-theft, passive restraint, Drive Safe & Save, and multiple policy.
  • GEICO offers premium reductions for multi-policy, multi-vehicle, driver training, air bags, good student, federal employee, and seat belt use.
  • SAFECO may offer discounts for teen safety rewards, safe driver, drive less, accident prevention training, anti-theft, and teen safe driver.
  • AAA may include discounts for multi-policy, multi-car, AAA membership discount, good driver, education and occupation, good student, and pay-in-full.

When comparing rates, check with every insurance company which discounts they offer. Some credits may not apply to policyholders in your area. To see providers who offer discounts, click here.

When should I discuss my situation with an agent?

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Does my 2013 Chevy Express Cargo qualify for pleasure use?
  • Am I covered if I break a side mirror?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my state a no-fault state?
  • Who is covered when they drive my 2013 Chevy Express Cargo?
  • Is my camper covered by my car insurance policy?
  • Am I better off with higher deductibles on my 2013 Chevy Express Cargo?
  • Is my Chevy Express Cargo covered if I use it for business?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Express Cargo.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, fire damage, vandalism, damage from a tornado or hurricane and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for things like dental work, hospital visits, surgery, chiropractic care and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability coverage will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

Collision coverage pays for damage to your Express Cargo caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.