How do I start looking for cheap affordable auto insurance?

Find the right auto insurance at affordable rates by (1) knowing your state minimums, (2) deciding what coverage you need, and (3) comparing multiple quotes.

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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: Oct 25, 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...

  • It is very important that drivers meet the minimum car insurance coverage requirements in their state
  • Taking time to become familiar with car insurance terminology will provide consumers a clearer picture of how these policies work
  • The top insurance companies may not offer the best options, there may be smaller companies out there offer them more affordable prices than the others

Every driver in the country should purchase car insurance. Insurance is a mandatory requirement to stay legal while on the road.

It is very important that drivers meet the minimum car insurance coverage requirements in their state. Each state demands different types of coverage.

The rates also vary. There are some pricey states where lowering auto insurance costs should be a high priority. This is true in places where the cost of living is very expensive.

Drivers should always be able to find a cheap affordable auto insurance policy if they know how to look for it.

Start looking for the best car insurance rates possible by entering your ZIP code into our FREE auto insurance comparison tool.

Understand Auto Insurance Terminology

Being able to purchase cheap auto insurance is a very serious matter. Everything will follow when people have a proper understanding of the nature of car insurance.

There are many terms used in the insurance industry that consumers should understand. Knowing the meaning of these words can create a big difference when purchasing a policy.

Taking time to become familiar with car insurance terminology will provide consumers a clearer picture of how these policies work.

With this, they will be able to understand every word that is used by agents or found when buying auto insurance online.

Most importantly, this will help them save time and effort when they start looking for cheap car insurance. Consumers will not have to pause and search for the meaning of every unfamiliar word they encounter.

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Know the State Laws

Consumers should always know the state laws related to insurance.  These laws will serve as their guide in choosing the most appropriate and cheapest car insurance policies.

State laws provide detailed information on what type of coverage people need to drive legally in the state.

Most states require at least two to four types of coverage. Sticking to these requirements allows drivers to come up with the cheapest possible options when getting car insurance.

However, these required policies may not be enough to support and protect drivers if an accident happens. Understanding state laws will help drivers decide whether they need additional coverage. They should also know if their state uses the tort system.

Typically, opting for the minimum coverage is the cheapest option. However, this may not fully cover the driver in the future. Therefore, it is always best to study state car insurance laws and weigh options.

Most often, car insurance companies ask for the consumer’s mileage. It is very important that drivers look closely into the miles that they drive. It is a common question asked by agents and insurance providers. People who drive less will get lower rates.

Shop Around

Consumers should not rely only on one car insurance company even if it is recommended by a colleague or relative. The top insurance companies may not offer the best options for all types of consumers.

There may be smaller companies out there that can cater to drivers with special situations and offer them more affordable prices than the others.

The most efficient method of finding these companies is shopping online. Nowadays, both major and smaller car insurance providers offer their products and services on the Internet.

They have their own websites that consumers can browse and use to contact the company. Doing so will allow drivers to gather detailed information from different providers.

They can call or send e-mails to queries and further details about product offerings. In addition, consumers should take note of the discounts offered by these companies.

These discounts will effectively lower their premiums. They can collect the quotes gathered and review them later on.


Compare Auto Insurance Prices

Aside from checking auto insurance company sites one by one, consumers have the option to use price comparison sites. Doing so will allow them to come up with multiple quotes all at once.

These sites generally just need the coverage type and the zip code. The site will show the companies in the area and their corresponding auto insurance rates.

Using these sites is the fastest method in looking for the cheapest and the most affordable auto insurance quotes. People can often discover many other auto insurance providers in their area. These companies may be small, but they might have cheaper coverage options.

Price comparison sites make it easy for customers to get an overview of insurance rates offered in their location.

Price comparison sites provide information about policy premiums. Sites that gather information about car models and their condition can actually provide the most precise figures.

With this, consumers will not only get the closest premium estimates. They will also be provided with possible discounts based on their car’s condition.

What is great about price comparison sites is that consumers can actually purchase car insurance policies directly after they review the quotes. This makes car insurance shopping very easy and convenient.

Moreover, price comparison sites can recommend the most suitable and affordable car insurance rates for customers. They can come up with the most accurate results as long as consumers provide the exact information required.

However, consumers should be responsible when choosing price comparison sites. There are so many of them on the web today, and choosing is quite confusing.

Consumers should make sure that they go for the most reputable sites that are affiliated with trustworthy insurance companies. Many car insurance price comparison sites work with both big and small insurance providers.

Because of this, consumers will have plenty of options. Unfortunately, a cheap policy may not always be the best option.

Consumers should scrutinize the quotes they get and make sure that the policy provides them the coverage they need.

Sometimes, cheap car insurance does not cover drivers with the protection they are expecting. Therefore, consumers should look into low-cost policies. They should ensure that the companies they choose do not have hidden charges.

Otherwise, they may end up paying more rather than saving. Making smart decisions to save is easy with our FREE auto insurance comparison tool. Enter your ZIP code to save!



Free Auto Insurance Comparison

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

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