Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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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 insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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...

  • Comparing several auto insurance options before buying a policy is a smart decision
  • You should compare policies when your insurance comes up for renewal or after an accident
  • If your insurance rates suddenly increase you should compare insurance policies


Every consumer needs to explore options and make sure that he has the best deal at all times.

If you do not take the time to do a competitive comparison of your various services, then you may wind up paying more money for those services than you should.

One service that every responsible driver has to pay for is car insurance. An auto insurance policy that offers comprehensive coverage for a price that fits your budget is always in your best interests.

It is a wise idea to compare the rates you are getting with what is available, but are some times better than others for getting a free online auto insurance quote to compare with the rate you have now?

Enter your ZIP code into the FREE search tool above now!

Compare as Your Policy Comes up for Renewal

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One of the best times to compare your current auto insurance rates with other options is when your current policy is getting ready to come up for renewal.

Some auto insurance policies have penalties for canceling the policy before it expires.

But when you choose to switch policies after your current policy has renewed, you can avoid those penalties.

As you gather comparison quotes to see what kinds of deals you can get on your auto insurance, remember to ask your current company for a new quote as well.

In many cases, your current company will simply continue your policy when it comes up for renewal and not try to find you a better deal.

But if you ask for a comparison quote, then you may find yourself able to save more money.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare After an Accident

Even if there is a penalty for leaving your current company, it may be worth it to pay the penalty and move to a company that is more responsive to your needs.

Many consumers feel like they are getting a great deal on their auto insurance when they first sign a new policy. But the cost savings they think they are getting are quickly offset by poor service.

Do not stay with a company that has not earned your business. Compare quotes from other auto insurance companies and move to a better organization.

Compare When Your Premiums Go Up

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In the auto insurance world, it is common for premiums to go up without notice.

When you get your new premiums and you see that your rates have been raised, then that should be a cue for you to start comparing the insurance you have with what is available in the open market.

There are many reasons why your insurance premiums go up. Some of the most common reasons include:

  • The company experienced an excessive amount of claims in the past year
  • Your driving record was hit with a traffic ticket or accident
  • You were moved to a different risk class due to age or other factors

While it is common for auto insurance premiums to go up, that does not mean that you should accept having to pay more for the same coverage.

Use your insurance premium increase as an excuse to shop around and find a better deal that fits your budget.

When you keep the same policy in effect for years and do not do some online comparison shopping, then you may put yourself in a position where you pay more for your insurance than you should.

There are services that will help you get free online auto insurance quotes that will help you to keep your premiums down, while maintaining a high level of service.

Enter your ZIP code into the FREE comparison tool located at the bottom of this page.

References:

  1. https://www.progressive.com/auto/discounts/compare-car-insurance-rates/
  2. https://www.thebalance.com/can-i-cancel-car-insurance-anytime-527400
  3. https://www.thebalance.com/what-is-an-insurance-renewal-527419
  4. https://www.allstate.com/tools-and-resources/car-insurance/know-when-to-cancel-insurance.aspx
  5. https://www.esurance.com/info/car/why-car-insurance-rates-increase