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Things to Remember...
  • Make sure you compare the exact same coverage when getting quotes from different providers
  • Each insurance company offers extras that you can purchase in addition to your regular policy
  • Find out discounts and the reputation of each insurance provider to make sure they will be reliable

When you’re struggling with the finances, it’s wise to look at your monthly bills and see where you can save.

One easy way to lower your monthly expenses is by finding more affordable insurance.

If you’re dreading the idea of calling companies and spending countless hours waiting for information, you’ll be relieved to know that an online comparison site will do the work for you.

Here are some tips to help you find the right company and a rate you’ll appreciate. You can also enter your ZIP code into the FREE comparison tool at the top of this page to get started now!

Compare Apples to Apples


It’s important to compare apples to apples when shopping around. One company may give you an attractive quote, but it’s not cost-effective if you’re lowering your coverage levels.

Avoid this problem by ensuring that you’re comparing the same products across the board.

Before you go online to review information, check your current statement to see what type of coverage you have, what the protection levels are and if you have any additional perks.

Make a list of information including the following:

  • Liability – is required by law in most states and pays for damage to other people’s property in the event that you cause an accident, and it helps cover you against lawsuits
  • Collision – protects your car in the event that it becomes damaged, and it’s usually required on cars that are financed or leased
  • Comprehensive – covers almost everything that’s not taken care of by collision including things like vandalism, theft, and hitting a deer
  • Medical Payment – takes care of the medical expenses for any of your passengers who are injured regardless of who causes an accident
  • Deductible amounts – higher deductibles result in lower monthly premiums, so you must use the same protection amount when comparing plans

With accurate information about your current choices, it will be easier to tell if another company is offering you a better rate.

Remember that the protection levels are not the same when you start lowering coverage amounts or raising the deductible.

Look for the Extras and Decide Their Worth


A little extra that’s in high demand for one consumer may not matter to another. This is a very personal choice, and it’s wise to give them each some thought before you start shopping around.

One example is a vanishing deductible. If you like to carry a low deductible, then this offering may not appeal to you. However, this can be a great asset if you maintain higher deductibles.

Another option is a plan that would replace your totaled car with one that’s a model year newer.

If you’ve never totaled a car and have an excellent safety record, then this may not appeal to you.

These perks can be used as the final deciding factor between two comparable companies, but you may not want to make the decision based solely on these offerings.

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Include the Discounts

After you send in the single application, your information will be shipped out to several agents. These agents will assemble a package that they hope will appeal to you and fit your budget.

They will then contact you by phone or email to give you the information and see if you’re ready to purchase a plan.

Keep a log so that you can track the information and write down other pertinent details.

Once you’ve narrowed the field down to two or three policies, it’s time to look at the available discounts.

Most companies offer price breaks for safe drivers and consumers who have multiple policies with them.

You may also be able to save money if you’re a teacher or police officer, and there are other discounts offered by different companies.

Be sure to review the final prices after all applicable discounts before making your decision.

Consider the Service


It’s important to work with a company that will provide you with great service.

With online comparison sites, you’ll have the opportunity to interact with company agents before making a decision.

This allows you to check out their customer service and ensure that they’re going to provide you with the high-quality service you deserve.

You can also look at reviews online to locate a company that has high ratings for customer service and claims assistance.

Enjoy the Convenience

With an online comparison tool, you only have to share your information once.

After the information is put into the system, different companies will be able to review it and provide you with their best quotes based on your needs and situation.

They can send you the information electronically or call you personally to discuss their available discounts, special offerings, and best plans.

Rather than sitting on hold, you can focus on other things while you’re waiting for the quotes.

If you’re ready to start saving money, your car insurance is a great place to start. Use an online tool to save time as you ask for quotes and review information.

Be sure to thoroughly compare quotes before deciding on one company. You can easily start by entering your ZIP code into the FREE tool at the bottom of this page!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption