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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 29, 2018

Advertiser Disclosure

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.

Paying more affordable premium rates for insurance coverage is always challenging for people not familiar with buying insurance online. With so many insurance agents and online companies available, it can easily be a difficult challenge to compare prices.

This article will teach you how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. But vehicle owners must understand the methods companies use to market on the web and use this information to your advantage.

How to compare free insurance coverage quotes

There are multiple methods you can shop for insurance coverage but one way is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to achieve your goal.

Many popular insurance companies belong to a marketplace that allows shoppers to complete one form, and every company can provide price quotes for coverage. This eliminates the need for quotation requests for every insurance coverage company. To find out what other companies charge click to open in new window.

The one downside to using this type of form is you are unable to specify which insurance companies to get pricing from. If you would rather choose specific providers to compare prices, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you’re using identical coverage limits on every price quote you get. If your comparisons have mixed coverages you will not be able to truly determine the lowest rate. Just slight variations in limits may result in a large different in cost. And when comparison shopping, comparing all the rates in your area gives you a better chance of getting the best price. Not every company does online rate quotes, so it’s recommended that you also compare price estimates on coverage from those companies, too.

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

secured lock Secured with SHA-256 Encryption

Auto insurance policy discounts you can’t miss

Not many people think insurance is cheap, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply when you complete an application, but once in a while a discount must be inquired about prior to getting the savings.

  • Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
  • Telematics Devices – Policyholders that allow their auto insurance company to spy on when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as they are good drivers.
  • Military Rewards – Being on active deployment in the military could qualify you for better auto insurance rates.
  • Sign Early and Save – Some larger companies give discounts for buying a new policy before your current coverage expires. This can save 10% or more.
  • Cautious Driver Discounts – Safe drivers may receive a discount up to 45% on Cooper Coupe insurance compared to rates paid by drivers with frequent claims.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles on one policy can get a discount for every vehicle.
  • Defensive Driver Discount – Taking part in a course teaching defensive driver skills could save 5% or more and also improve your driving technique.
  • No Claims – Good drivers with no accidents have much lower rates in comparison to insureds who have frequent claims or accidents.
  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.

As a sidenote, most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, nobody gets a free ride. But any discount will positively reduce the cost of your policy.

A list of auto insurance companies and their possible discounts are shown below.

  • GEICO includes discounts for defensive driver, anti-lock brakes, emergency military deployment, air bags, multi-vehicle, five-year accident-free, and seat belt use.
  • Auto-Owners Insurance has savings for multiple vehicles, anti-theft, safe driver, company car, and teen driver.
  • American Family has discounts for Steer into Savings, bundled insurance, multi-vehicle, good driver, early bird, mySafetyValet, and defensive driver.
  • Esurance may include discounts for anti-theft, paid-in-full, anti-lock brakes, renters, multi-car, Pac-12 alumni, and online quote.
  • Progressive offers discounts including multi-policy, online quote discount, multi-vehicle, online signing, continuous coverage, homeowner, and good student.
  • State Farm may offer discounts for accident-free, passive restraint, safe vehicle, Drive Safe & Save, and defensive driving training.
  • AAA policyholders can earn discounts including education and occupation, multi-car, anti-theft, AAA membership discount, good driver, and multi-policy.

It’s a good idea to ask each company which credits you are entitled to. Some discounts might not be offered in your area. If you would like to choose from a list of insurance companies with significant discounts, follow this link.

Smart consumers know how to get car insurance for less

When buying car insurance it’s important to understand the factors that go into determining your premiums. When consumers understand what controls the rates you pay, this enables informed choices that will entitle you to lower rates.

  • Prevent policy lapses – Driving without insurance coverage in place is illegal and you will pay a penalty because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.
  • Being married is a good thing – Having a wife or husband may earn you lower rates on your car insurance policy. Having a spouse usually means you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.
  • How many coverages with the same company – Some companies will award better rates to clients who buy several policies from them. It’s known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other company rates to help guarantee you have the best rates.
  • Claim-free discounts can add up – Insurance companies generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Rates increase with policy add-ons – Insurance companies have many extra add-on coverages that may not really be needed on your car insurance policy. Coverages for vanishing deductibles, towing coverage, and Farm Bureau memberships are examples of these. You may think they are a good idea at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Driving citations mean higher rates – Drivers who don’t get tickets get better prices than people who have multiple driving citations. Only having one speeding ticket may increase your cost by as much as twenty percent. Drivers unfortunate enough to have serious citations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

Insurance agents can help

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions could help you determine if you would benefit from professional advice.

  • I have health insurance so do I need medical payments coverage?
  • What can I do if my company denied a claim?
  • What exactly is covered by my policy?
  • Does my car insurance cover rental cars?
  • How can I get high-risk coverage after a DUI?
  • Is there coverage for injuries to my pets?

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

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

secured lock Secured with SHA-256 Encryption

Beware of misleading auto insurance ads

Well-known auto insurance companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the companies make the point that drivers will save a bundle if you move your coverage. That’s great but how can every company claim to save you money? This is how they do it.

Different companies have specific criteria for a prospective insured that will generate a profit. One example of this type of driver may need to be between the ages of 30 and 50, has few claims, and drives newer vehicles. A driver who fits that profile will probably get cheap car insurance rates and most likely will cut their rates substantially.

Drivers who are not a match for these standards will probably have to pay more expensive rates which translates to business not being written. If you pay attention, the ads say “people that switch” not “everybody who quotes” can save as much as they claim. This is how companies can truthfully advertise the way they do.

This really illustrates why it is so important to do a rate comparison at every renewal. It’s just not possible to know which company will have the lowest premium rates for your situation.

Insurance coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

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

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like pain medications, hospital visits, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while 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 that occurs 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 injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, attorney fees and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your MINI Cooper Coupe.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Collision coverage protection

This pays for damage to your Cooper Coupe resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

A penny earned…

When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best possible price, not the least amount of coverage.

Discount 2013 MINI Cooper Coupe insurance can be sourced from both online companies and from local insurance agents, so you need to shop auto insurance with both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get quotes online and usually these regional carriers provide coverage only through independent agents.

We just covered a lot of information how to shop for 2013 MINI Cooper Coupe insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest premium rates are with an unexpected company.

Additional car insurance information can be read at the links below