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 22, 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...

  • The best place to compare auto insurance rates is online with a third party quote tool
  • Most people believe they pay too much for auto insurance. Until you compare existing auto insurance rates with those of other competitive auto insurance providers, you can’t know for sure
  • Don’t cancel an existing auto insurance policy until you’ve received proof of new auto insurance. Read the information provided by each auto insurance company and ask questions
  • Time is money for most people, and you’ll save lots of time along with the potential of less expensive auto insurance rates by comparing auto insurance carriers via our free tool

The best place to compare auto insurance rates is online with a third party quote tool, just like the one on this page. Tools like this one provide a neutral portal for auto insurance shoppers to compare quotes, without bias from any single provider.

You can compare auto insurance quotes for free now just by clicking on the link and entering your zip code now!

Think about it. Even if your existing auto insurance company offers a price comparison of your auto insurance rates with those of other companies they typically only compare with three or four other big players in the industry. Your insurance company, like your bank, isn’t required to offer up the lowest possible rates offered in the marketplace.

Comparing your existing auto insurance rates with those of competitors is a good idea. If you’ve used the same auto insurance company for one or more years, getting competitive auto insurance quotes can help you save money on the auto insurance coverage you need.

How do auto insurance agents work to help me compare insurance rates?

Some auto insurance agents work for only one insurance company, while others offer the auto insurance products and services of two or more companies. Independent auto insurance agents and brokers sometimes say they offer a complete evaluation of auto insurance programs offered in your state.

Do they actually offer you a full spectrum comparison of auto insurance? Without obtaining a list of all auto insurance companies licensed to sell auto insurance in your state, you probably take the agent’s word for this statement.

You are better off going with a broker who is not tied to a single agency, but whose goal is to source the most competitive rate.

Some auto insurance companies may have a record of customer complaints or may not have enough financial stability to pay out a large number of claims.

That’s why your auto insurance agent may not be the best resource for auto insurance research. Your auto insurance agent gets paid when you buy auto insurance from him or his agency.

Each state maintains an insurance division. Contact the department within the state’s insurance division that oversees auto insurance operations. Many states offer access to database materials about all insurance companies selling auto insurance to consumers.

Free Auto Insurance Comparison

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

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What information is available for comparison on the various auto insurance companies?

Obtaining comparative information about each auto insurance company in your state is the first place to start your research. You’ll learn about complaint rates of some auto insurance companies.

Obviously, an auto insurance company with poor customer service or a history of late claims payments isn’t an auto insurance company for you!

Using a comparative information site after you’ve performed this first level of research helps you make an informed decision about auto insurance companies underwriting policies in your state.

If you’re currently insured by an investment grade-rated insurance company (by A.M. Best, Standard & Poor’s) and other nationally recognized rating organizations), the company has sufficient resources to pay claims.

Knowing the major competitors of your auto insurance company can help you identify a new insurance company!

How do I compare types of coverage among different providers?

If you’ve already got auto insurance, you know how much insurance coverage you need. Each state establishes minimum auto insurance coverage levels. Comparing the exact coverage you need with the coverage offered by a new insurance company allows you to compare prices.

Most people believe they pay too much for auto insurance. Until you compare existing auto insurance rates with those of other competitive auto insurance providers, you can’t know for sure.

If you receive an auto insurance quote from a new insurance company that’s more expensive than your existing auto insurance rate, it’s easy to get more auto insurance quotes! Don’t stop shopping until you find an auto insurance quote that saves you money.

An auto insurance quote isn’t proof of auto insurance. In order to obtain the auto insurance you need, it’s necessary to make an application for auto insurance with a new carrier.

Don’t cancel an existing auto insurance policy until you’ve received proof of new auto insurance. Read the information provided by each auto insurance company and ask questions.

Can I compare auto insurance companies?

Time is money for most people, and you’ll save lots of time along with the potential of less expensive auto insurance rates by comparing auto insurance carriers via our free tool. Our mission isn’t to promote a single auto insurance carrier or group of auto insurance carriers.

Rather, our goal is to help you save money on auto insurance rates by providing quotes from all eligible carriers that provide coverage in your area.

Start by entering your home zip code now to get speedy information about free auto insurance quotes!

References:

  1. https://www.moneytips.com/pros-and-cons-of-using-an-insurance-broker-or-agent
  2. http://work.chron.com/insurance-broker-vs-insurance-agent-8199.html
  3. http://ambest.com/
  4. http://www.standardandpoors.com/home/en/us
  5. https://www.goodfinancialcents.com/best-auto-insurance-companies/