How can I find a low cost auto insurance company?

Use third-party tools and review sites to research auto insurance companies and coverage. Compare quotes to find the best affordable coverage.

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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...

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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...

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Reviewed byDaniel Walker
Licensed Insurance Agent

UPDATED: Apr 23, 2020

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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...

Auto insurance is probably one of the most important financial purchases you can make.

Certainly, car insurance is not an inexpensive prospect for many people, nor is it a “one size fits all” undertaking.

Before you buy a car insurance policy, be sure to comparison shop to get the best rates and the best coverage possible.

Enter your ZIP code into our FREE auto insurance comparison tool to compare quotes now!

Auto Insurance Comparison Websites

One of the places to look for low-cost auto insurance coverage is car insurance comparison websites. These websites offer unbiased information about many auto insurance companies, including rate quotes.

By entering your information one time, you can get quotes from multiple companies within a short period of time. Enter your ZIP code into our FREE comparison tool to compare rates now!

Often, quotes will be followed-up by a telephone call or email from an agent or insurance company representative. They can provide you with more detailed free information about auto insurance companies and types of coverage they offer.

Insurance comparison websites are also a good source of general information regarding car insurance.

Often, they have articles about topics of interest if you are researching auto insurance and can provide you with information such as state minimum auto insurance requirements for your state.

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Car Insurance Company Websites

Another source for car insurance premium rate quotes is insurance company websites. In most cases, you can request a rate quote directly from an insurance company website.

You can also find out information about other kinds of insurance and financial products that the insurance company offers.

Most insurance company websites also have background corporate financial information, including what they are rated by leading rating organizations, such as AM Best and JD Powers and Associates.

Independent Insurance Brokers


You can also talk to an independent insurance broker about affordable auto insurance.

Most independent insurance brokers represent several insurance providers, allowing them to offer a variety of companies for customers to choose from for their insurance needs.

Working with an independent insurance broker often provides you with an opportunity to discuss in depth your insurance needs and gain a better understanding of the different forms of auto insurance.

An insurance broker can offer suggestions on ways to keep your insurance premiums low or educate you about discounts that might apply to your policy.

Also, most agents and brokers will review your auto policy when it comes up for renewal to determine if your insurance needs have changed and if there are additional ways to save you money.

When you are shopping for car insurance, it is important that you understand the different types of coverage and what kind of protection they provide for you.

It may not be necessary for you to purchase all of the coverage available, particularly if you are looking for ways to save money.

Liability Insurance

Liability car insurance is required insurance in 47 states.

However, minimum coverage provides you with very little financial protection if you are involved in an accident, so it is a good idea to purchase additional coverage if you can afford to do so.

Liability auto insurance pays for damages and bodily injury if you cause an accident.

However, it only pays for the other party’s damage; it does not pay for repairs to your property or for injuries you or your passengers receive.

If you do not have enough liability insurance to pay for all of the damages and medical expenses, you may be sued for damages, opening the door to potential financial ruin if you own a home, business or other valuable assets.

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Comprehensive Insurance

Comprehensive auto insurance pays for damages that are not the result of a moving accident.

For example, if your car is damaged by a flying rock, a falling tree limb, hail or fire, repairs will be paid for through your comprehensive insurance policy.

Comprehensive insurance also pays for damages due to vandalism or if your car is stolen.

Collision Insurance

Collision car insurance pays for damage to your car if you are involved in an accident.

Collision coverage includes accidents that are the result of hitting vehicles, buildings, fences, guard rails and other objects. Additionally, damages are covered regardless of who is driving the car.

Personal Injury Protection

Personal injury protection coverage is also known as PIP or “no fault” insurance and is mandatory coverage in 14 states.

PIP pays for medical expenses regardless of who is at fault in an accident. It also pays for rehabilitation services, legal expenses and lost wages.

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Saving Money on Auto Insurance

There are many ways to keep your auto insurance policy rates affordable.

Many insurance companies offer discounts if you bundle your auto insurance coverage with other types of insurance, such as homeowners, renters or life insurance.

Additionally, you may be eligible for discounts, such as good driver, good student, senior, multiple car and others, which will lower your rates.

You can also lower your rate by taking a higher deductible level on your policy. Set that money aside to use if you have an accident and need to pay the initial expenses of a repair.

Check out our FREE car insurance comparison tool with your ZIP code to see the money you could be saving now!

When you are shopping for affordable and inexpensive auto insurance, make sure you compare at least three different rate quotes before making your decision.

Our FREE car insurance comparison tool can give you rate quotes based on your ZIP code now.

Educate yourself fully about the different types of insurance and only purchase the insurance you need. Also, evaluate your insurance needs and rates each time your policy comes up for renewal.

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