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 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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It’s all about you. We want to help you make the right coverage choices.

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...

  • 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!