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...

  • Before getting auto insurance quotes and comparing packages from different companies, it’s important to know what levels of coverage you need for your unique situation
  • Online auto insurance coverage calculators can help you see how changes you make to your policy will affect your coverage and premiums
  • Before submitting your information, make sure the site you’re using works with reputable insurance companies you’d consider working with

Auto insurance is one of those things that most of us need, but few of us want to think about. Unfortunately, many consumers make hasty decisions about their levels of auto insurance coverage or the companies they choose to work with, and it ends up costing them in the long run.

It pays to take the time to see what’s out there before making a decision regarding your auto insurance. Enter your ZIP code and compare auto insurance companies to find the best rate!

With all the insurance companies and levels of coverage to choose from, how can you effectively compare auto insurance rates so you can get the coverage that is best for you and your budget? Here are a few guidelines to consider.

Know the Coverage You Want

Before getting auto insurance quotes and comparing packages from different companies, it’s important to know what levels of coverage you need for your unique situation.

If you don’t have those decisions firmly in place from the beginning, you can be swayed in many directions and none of them may be right for you. So study your options first.

Find a copy of your current auto insurance policy if you have one, and keep it handy. This will show you how much coverage you have been carrying and how much you’ve been paying for it.

Look online for information on the minimum coverage required by your state. This is a good place to start, so you know what you really must-have. But don’t just stop there; insuring at the minimal level doesn’t always save you money in the end.

You’ll have to pay the expenses out of your own pocket that your insurance doesn’t cover if you need to file a claim, and those costs add up quickly.

On the other hand, there may still be costs you can cut or benefits you can reduce or drop. For example, increasing deductibles can reduce your up-front payments. You’ll be responsible for a larger out-of-pocket amount if you file a claim later, but if your coverage levels are adequate the remaining expenses will be taken care of.

Other possible cuts include optional benefits that are already covered by your health or homeowner’s insurance.

Online auto insurance coverage calculators can help you see how changes you make to your policy will affect your coverage and premiums. Some companies feature these on their websites. Other sites have general calculators to give you a ballpark estimate of how much it will cost to insure your cars.

Above all, don’t rely solely on insurance agents to tell you what you need. They certainly have plenty of knowledge to share, and will give you good advice. But they also want to sell you insurance as much of it as they can convince you to buy. Arm yourself with the knowledge to make your own choices.

Free Auto Insurance Comparison

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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

Where to Look for Price Comparisons

Because auto insurance has so many options, it can be difficult to find simple quotes to compare with each other. But with some perseverance and ingenuity, you can come up with several quotes to help you make your decision.

Contact individual agents personally. This could be a tedious chore, as they’ll each need information regarding the drivers and vehicles to be covered, and you’ll find yourself repeating the same facts several times.

On the plus side, they can tailor your quote to your individual specifications. Many agents respond to email requests, although a personal phone call or visit is more efficient.

Some websites offer quick quotes, based on standard insurance packages their companies sell. This eliminates the need for you to talk directly to an agent or sales representative and can be handy for comparison purposes.

However, the levels of coverage they offer will not necessarily be what you want. They may even include some extras that you didn’t want. So check your results carefully.

Use one or more websites that send your information to several companies at once. One advantage of this method is that you only have to enter your personal information once. It then goes to a number of agents and companies that will then contact you with a quote.

However, there are a few things to keep in mind when you use this kind of service:

Before submitting your information, make sure the site you’re using works with reputable insurance companies you’d consider working with. Most of these sites list some of the companies they service. If the site doesn’t have such a list, or you aren’t interested in the companies on the list, find a different site to use.

Even though this can be a fast way to contact several companies, they often still don’t have enough information to send you the custom quote you’re looking for.

You will probably still need to personally get in touch with agents or company representatives to round out your information. The difference is, they’ll be contacting you instead of the other way around.

A good rule of thumb is to have at least three to five quotes to compare before making a decision about auto insurance. This will allow you not only to compare prices but to compare what each company has to offer you.

It’s your money, it’s your insurance, and it’s in your hands to choose the options that will work the best for you.

Find cheap auto insurance and save with our FREE auto insurance comparison tool!