4 Steps to Get the Best Auto Insurance Rates

Getting a good rate on your auto insurance is just like buying anything else; shop around. Compare quotes from the top auto insurance companies and save up to $859.

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 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...

  • Your driving record plays a key role in finding the best auto insurance
  • High-risk drivers usually pay more for auto insurance
  • Inquire about discounts when comparing auto insurance plans

No one wants to spend more money on any of their regular bills than they have to, and auto insurance is no exception to that rule.

The problem is that there is not just one auto insurance company that is right for every person.

Depending on a number of factors, you might want to pick one insurer over another, even though someone else might be able to get a better deal.

If you’re serious about getting the best rates from auto insurance companies, there are some specific steps you need to take:

To check your auto insurance options, simply enter your ZIP code at the top of this page to get started right now!

1. Identify Your Situation

You need to know what the factors are in your life and past that are going to affect your situation.

For example, if you have a history of vehicular accidents or DUI, you’re going to have a tougher time getting a good deal on auto insurance than if you don’t.

Some insurance companies cater to motorists with a checkered past, while others will only charge you premium rates.

Free Auto Insurance Comparison

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

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Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

2. Identify Possible Auto Insurance Providers

From there, you need to make a list of potential auto insurers that could meet your needs.

Do some market research and find out what companies have the best ratings in terms of price and customer service.

Try to narrow that list down to four or five providers at the most.

While there are a number of websites that will offer you online comparison pricing, they aren’t always the best resource.

By talking directly to the provider or auto insurance agent, you will be in a better position to take advantage of whatever sorts of discounts you qualify for.

3. Ask for Discounts

There are many things that can get you a discount on your auto insurance including:

  • Completing a driver safety course
  • Having specialty safety equipment in your vehicle
  • Good driving record

Talk to the insurance provider to see what kinds of things can get you an even better rate on your auto insurance premiums.

4. Make Your Decision

Don’t let price be the bottom line. You want to be certain that you’re getting the best insurance you can for the price.

You also want to stick with a company that enjoys a good reputation.

It’s worth a few extra bucks every six months in order to have the peace of mind that, if you are involved in an accident, your insurance company is going to come through for you.

To compare affordable auto insurance quotes, enter your ZIP code at the bottom of this page now!


  1. https://en.wikipedia.org/wiki/Driving_under_the_influence
  2. https://www.nationwide.com/
  3. https://www.statefarm.com/insurance/auto/discounts
  4. https://www.thebalance.com/how-to-get-your-driving-record-527249

Free Auto Insurance Comparison

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