Searching for Car Insurance Prices Per Month

Some people prefer to pay monthly instead of every six months. By comparing quotes from auto insurance companies, you can get individualized quotes and save up to $859.

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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
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UPDATED: Apr 24, 2020

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Here's what you need to know...

  • Some people prefer to pay their auto insurance bill six months in advance
  • Lots of folks have an easier time paying a few dollars every month than coming up with hundreds of dollars at a one time
  • Your choice of how to pay really depends upon your individual situation

Most insurers offer a discount for their customers who pay for their policy in advance, but they may also offer a discount for their customers who pay monthly through an automatic draft on their checking or savings account.

Some people prefer to pay their auto insurance bill six months in advance, but this is probably uncommon. Typical consumers shop for car insurance prices by the monthly rate.

Be sure to use the FREE auto insurance comparison tool at the top of this page. Enter your zip code to get started now!

Why do vehicle owners pay monthly?

Most drivers decide to pay their bills a month at a time because of their budgets.

Lots of folks have an easier time paying a few dollars every month than coming up with hundreds or even thousands of dollars to pay six months or a year in advance.

Some drivers might want to pay monthly because they want to keep their options open too.

You are free to switch insurers at any time, and you should also know that insurers will have to refund your money promptly if you have paid for coverage that you no longer want.

Your choice of how to pay really depends upon your individual situation.

It might be more convenient for you to simply pay in advance, and this might be particularly true if you plan to travel and would rather get bills out of the way.

On the other hand, you can almost always set up automatic monthly payments. You might base your decision on your budget and discounts that a particular insurer offers.

Free Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Free Auto Insurance Comparison

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

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How to Find Car Insurance Prices by Month

If you need new insurance, you should be relieved to know that it is very easy to compare auto insurance prices by month too.

In fact, that is the way that they are most commonly quoted when you get information online or from a local agent.

When you want to compare rates, you have several choices.

The right choice for you depends on your preferences and how sure you are that you know what type of coverage that you need.

  • Call one or more local agents
  • Call insurers up directly
  • Get quotes directly from an insurer’s website
  • Use an Internet quote form that returns multiple quotes

Advantages of Local Agents

If you have a good agent who has the ability to shop between a handful of different insurers, you might prefer to just let her do your shopping for you.

She can interview you to get basic information, do some research, and then get back to you with her suggestions.

Agents should also be able to make professional suggestions that help you figure out what type and amount of coverage that you should buy.

For example, it can sometimes be tough to decide if you should only buy liability, or if you should buy full coverage on an older car.

Many insurers also offer optional coverage for a fee, and a good agent can help you understand if these are good choices for you. Some examples of these might include roadside assistance and rental car coverage.

Contacting Insurers Directly by Phone or Internet

You can get similar information by calling insurers directly. They employ agents who simply explain and sell policies over the phone.

The problem with only calling one insurer or calling a captive agent is that you will only get to learn about the products that one company sells.

An independent agent can offer you multiple quotes from different insurers that she works with.

These days, almost all car insurance companies also offer quotes online. These can be handy, but you will still only get quotes from that one insurer.

Additionally, the site might publish some information, but it will not offer you custom advice about your unique situation.

Free Auto Insurance Comparison

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

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Independent Car Insurance Price Quote Websites

One solution is to use an independent website that offers quotes from multiple insurers.

You only have to enter some basic information into the quote form one time, and this information probably includes details like your zip code, car model, and age.

These systems will also deliver contact information for agents or insurers who sell these policies, and you might decide to contact these providers for more information.

The best solution might be to select the insurers that seem to offer the most competitive prices.

You can do more research on those companies by reading customer satisfaction reviews or calling an agent for more coverage details.

When to Compare Car Insurance Prices

Some financial experts advise their clients to compare rates and plans every year. Even if you do not care to switch or even compare insurers that often, you still might be prudent

Even if you do not care to switch or even compare insurers that often, you still might be prudent to shop around any time that something major changes in your life.

These changes could include moving, the purchase of another vehicle, anytime you add young drivers to your family policy.

Some insurers are cheaper for different types of customers, and these changes could have an impact.

If you have not shopped around for competitive prices for several year years, today might be the best day to find out if you can save money.

It might not matter that much if you chose to call an agent, contact an insurance company, or look for online quote forms. The important thing might be to start shopping for better rates and plans to see if you can save some money.

Enter your zip code into the FREE tool below to start comparing rates instantly!

References:

  1. https://www.allstate.com/support/faq.aspx
  2. https://www.libertymutual.com/auto/car-insurance-quotes
  3. https://www.statefarm.com/claims/get-roadside-assistance
  4. https://www.geico.com/claims/claimsprocess/vehicle-rental/
  5. https://www.nationwide.com/cheap-car-insurance-young-drivers.jsp

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