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 24, 2020

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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 a requirement for driving responsibly and adequate coverage can be maintained at an affordable price
  • Some Internet companies do not have many of the expenses of traditional businesses
  • Pay special attention to the business website’s “contact us” section
  • Professional companies will usually respond to e-mail within 24 to 48 business hours
  • Doing a bit of research and contacting the company is one way to obtain a feel for how they do business

Auto insurance is a requirement for driving responsibly. Maintaining adequate coverage can be done at an affordable price.

There are policies that offer reasonable liability or full coverage options for personal or business vehicles.

Finding the best annual rates requires a bit of research. Our FREE car insurance comparison tool can give you great rates for your research when you enter your ZIP code.

Local Auto Insurance Companies

Some local and state auto insurance companies do not have competitive rates. Going to sit in a local office and waiting for an appointment is not the best use of time.

The research that is done by the employee may only search that particular company’s database for a lower price.

Their unaffordable prices may seem high and inflexible. Costs may be high due to excessive traditional methods of advertising.

There simply may be no room in the company’s budget to allow for loyalty discounts or special promotions.

Discounts for the military, hospital workers, fire fighters, police, non-profit groups, or teachers may not apply where other auto insurance companies may offer these and other unusual auto insurance discounts.

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Internet Auto Insurance Companies

Finding a way to save financial resources each month is important. Reducing monthly cost is one way to have hundreds or thousands of additional dollars each year.

Many consumers have taken their search for the lowest car insurance rates to an auto insurance companies online quote.

Some Internet companies do not have many of the expenses of traditional businesses.

There may not be a large overhead of operating expenses that must be paid in order to stay in business. Some Internet companies use workers that telecommute and have limited fully staffed offices for specific personnel.

Allowing some of the workers to continue virtually is one way they can afford to lower rates.

Customer Service

Trustworthy auto insurance companies will make it easy for customers to contact them. Pay special attention to the business website contact us section.

Steer clear of any company that does not list at least two ways to make contact. E-mail is one way to seek out information and ask questions outside of business hours.

E-mail is the preferred method of communication for many busy people. Repeating a question or specific circumstance is easier when it is communicated through a written medium.

Browse through the Internet auto insurance company’s website to see if there is a contact us section that clearly lists an e-mail address or an internal messaging system.

There may be a space to leave a message with a response e-mail and telephone number.

Look for live chat boxes that connect to customer service representatives. There may be specific hours that are listed when help is available.

Do not hesitate to try the live chat feature see how long it takes to receive a response. Some systems will give an approximate old time until someone will be available.

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

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Response Time

Professional companies will usually respond to e-mail within 24 to 48 business hours.

Communications that are received during business hours may receive an immediate response. Be extremely cautious when a company does not respond to inquiries.

This may be a red flag asked how more pressing matters holding handles. There may be no sense of urgency and processing claims for damages.

Companies that are understaffed may not be able to open and answer e-mails and a timely manner.

Free Auto Insurance Comparison

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

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Better Business Bureau

If a company looks suspicious or their rates sound too good to be true, do not be afraid to do a bit of research.

The Internet makes it year to find customers who have had negative experiences or are simply unsatisfied with the level of service provided by the auto insurance company.

Look for the company website by searching through an online search engine.

The company website usually fills the home office or location of the business. Search for the company name and city name to see what information comes up.

Look for the Better Business Bureau or Chamber of Commerce that is within that city. Some businesses may have a listing with either of these two resources.

There may be open or resolved complaints that are listed. Click through any links that further explain how the problem was resolved.

The Chamber of Commerce website may make mention of businesses that have participated positively within the community.

There may be other businesses or individuals listed that have had a positive experience working with the company.

Telephone Calls

Contact the auto insurance company by telephone. Many telephone numbers that are listed for immediate help do not always lead to a live person. Listen carefully picked in automated prompts that direct the telephone call.

See if there are specific extensions that lead to the claims adjuster, emergency roadside service, or for billing question.

Avoid signing up for insurance policies with businesses that always have excessively long hold times.

If it takes more than 10 minutes to reach a live person there may be problems within the company structure it so.

Our FREE online auto insurance comparison tool can give you rate quotes right away when you enter your ZIP code.

There are trustworthy car insurance options online. Doing a bit of research and contacting the company is one way to obtain a feel for how they do business.

Enter your ZIP code into our FREE auto insurance comparison tool to find good rate quotes now!

Trust personal intuition if a company does not have a positive history online or is simply unreachable through traditional communication that. Use these tips when researching an Internet insurance company.