The Auto Insurance Basics

Most states require mandatory coverage minimums to insure your vehicle. The national average rate of auto insurance is around $79.58/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 14, 2021

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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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember...

  • Know the rules
  • Ask about discounts
  • Doing your research and know what the state minimums

Buying auto insurance can be nerve-racking and confusing as all get out. Minimum requirements, additional coverage, and a massive amount of auto insurance companies all muddy up the waters.

The basics mean to start with knowing the rules. Compare your options. Save money by looking for discounts, and compare your top choices.

Compare auto insurance rates online for free with our free quote tool above! Simply enter your zip code to get started right now!

Know the Auto Insurance Rules in Your State


Auto insurance is a finicky thing. One state might require one type of auto insurance, while another might require something completely different.

This is where some good research will come in handy. Before you move to a different state, take some time to figure out what kind of policy you are going to need.

This policy does not need to be overwhelming, though. Many national insurance companies will have an office close to where you are. Stop in and talk with the auto insurance agent there.

They should be able to quickly give you all the details you could ever want before you move. Worst-case scenario you will have to do some research on the Internet while you sip on coffee.

Free Auto Insurance Comparison

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

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Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Shop Your Auto Insurance Companies

Before you lay down cold hard money for a new policy you should shop around. Every agent is different in what they offer and how they offer it. You are also shopping for an insurance agent you like.

Those of you who like to take long road trips that cross many state borders have a bit more to be concerned with.

While Jim Bob’s Auto Insurance might be cheap and great, how well will they cover you when you’re 1,000 miles away?

This is just one consideration to keep in mind if you are trying to support the little guy over the big corporate guys.

What is the car insurance claims process for the companies you are considering?

Some allow online claims, others have a reputation for processing claims quickly. Know what’s important to you and if this company can provide.

Don’t Forget to Mention Those Safety Features on Your Car

An easy way to cut down on premium costs is to ask about discounts. Everything from adding to a homeowners policy to asking about multi-car discounts can help you reduce those auto insurance costs.

One of the biggest items people forget is to mention is the safety features of their cars.

Your premiums can be cut dramatically depending on the auto insurance agent and the safety features on your car. Ask your agent what discounts you get while you are interviewing them.

Research Long Before You Run Around All Day


Doing your research long before you ever meet with an insurance agent is a great way to increase your negotiating power.

Knowing what the state minimums are for auto insurance coverage will keep you from buying too much.

This auto insurance research will also help you keep your move a bit easier. You will know how long you have to unpack all those boxes before you are required to hit the agent for a new policy.

Now get out there and get some auto insurance coverage on that vehicle of yours. You want to make sure proper coverage is in place in the unfortunate event that you have to make a claim.

Free Auto Insurance Comparison

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

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Save Money on Your Auto Insurance!

Whether you qualify for any of these particular discounts or not, you should take advantage of any smart discounts when and where you find them.

Enter your zip code in our free quote tool below and get started comparing free auto insurance rates today!

Free Auto Insurance Comparison

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

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