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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

Advertiser Disclosure

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...

  • Free quotes allow for side-by-side comparisons, making it very simple to select the policy that has the right coverage at the right price
  • There are different types of insurance that you can have such as liability, collision and comprehensive coverage
  • You can add additional coverages to your policy that offer extra protection like medical coverage, personal injury protection, uninsured/ underinsured driver and  rental reimbursement
  • Make sure to do a side by side comparison of the different policies that you received quotes from so you can choose the best option for you

The internet can be a great tool when shopping around for auto insurance rates. Free quotes allow for side-by-side comparisons, making it very simple to select the policy that has the right coverage at the right price.

However, there are a few things to keep in mind when selecting a car insurance policy online. First, you should enter your ZIP and compare auto insurance for free today!

Types of Auto Insurance

The first step in selecting a policy will be to determine which type of auto policy you are looking for. The three most common types are:

  • Liability
  • Collision
  • Comprehensive

Liability is the most basic policy and usually a part of state auto insurance law requirements. This will cover some costs that are incurred in the event that the vehicle damages people or property. Liability will also cover some portion of legal fees, if necessary.

Collision goes a step further and covers damage to the vehicle if it hits, or is hit by, another vehicle or object. Comprehensive coverage covers most scenarios in which the vehicle may incur damage, including theft.

Liability will also cover some portion of legal fees, if necessary. Collision goes a step further and covers damage to the vehicle if it hits, or is hit by, another vehicle or object. Comprehensive coverage covers most scenarios in which the vehicle may incur damage, including theft.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Policy Add-Ons

In addition to a general policy, some auto insurance companies offer extra coverage including:

  • Medical Coverage
  • Personal Injury Protection
  • Uninsured/ Underinsured driver
  • Rental Reimbursement

Depending on each company’s various policies, some of these items could be included in general coverage while others are sold as separate supplements so be sure to compare each individual insurer.

State Minimums

The second step in selecting a policy will involve either knowing or researching how much coverage is necessary to maintain compliance with state laws.

Currently, forty-seven states have minimum requirements for auto insurance so it pays to know what you will need when comparing policies and rates.

Price Comparisons

Price shopping for auto insurance rates requires that both short-term and long-term expenses be taken into account. A policy may appear attractive for a low monthly payment but could hold high out-of-pocket expenses in the event of an accident.

Take into account these five tips for price comparisons:

  • How much can I afford each month?
  • How much can I afford out-of-pocket in the event of an accident?
  • How much coverage do I need? Are supplemental policies necessary?
  • Which companies offer discounts for a good driving record or bundling other policies?
  • What is covered by my other insurance policies, like homeowners and medical?

Ultimately, the idea is to get the best auto insurance rates for the lowest price, ensuring that costs will be sufficiently covered in the case of any unfortunate event.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Deductibles

A big part of calculating the long-term cost of auto insurance is choosing the right deductible.

While an insurance policy might take care of a chunk of expenses in the event of an accident, the company will usually only cover the costs remaining after the deductible has been paid.

Additionally, the deductible must be paid each time a claim is filed. Think about how often it might be necessary to file a claim to determine the right deductible.

  • A higher deductible will result in lower monthly payments but will be much more expensive in the event of a claim
  • A lower deductible is a better option for drivers who make frequent claims. This will make the monthly installment a bit higher but will provide a lower out-of-pocket cost in the claims process

Selecting the Right Insurer

After gathering the paperwork and establishing the type and costs of a policy that fits best, it is time to do side-by-side comparisons from several different auto insurance companies.

When making the comparison online, be sure to select the same options for each company that quotes the policy.

It should be relatively obvious right away which companies can offer the best price for the selected policy, but there are a few other factors to investigate before choosing an insurer:

  • Is the company reputable?
  • What is the average rate of pay-out on claims?
  • Have there been any complaints filed against the company?

Simply doing some basic research can reveal a current customer’s satisfaction rate with each insurer and allude to the level of customer service, good or bad.

Shopping for auto insurance online can make the quoting and comparison process much easier than it has ever been before. Use this process to its full advantage to get the right amount of coverage for the right price.

Just enter your ZIP below and compare auto insurance online for FREE!