Where can I find an auto insurance company quote?

The average rate for auto insurance in the US is $79.58/mo. You can reduce your bill by 20% or more by comparing quotes and coverage from multiple companies below.

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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...

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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...

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Reviewed byDaniel Walker
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UPDATED: Apr 22, 2020

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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 purpose of buying car insurance is for financial protection
  • Purchasing enough car insurance to pay for damages that occur in a car accident can prevent you from being sued for repairs and expenses not covered if you have inadequate coverage
  • Simply because you find a cut-rate car insurance quote and policy does not mean that it is quality car insurance
  • Although liability car insurance is mandatory in 47 states, it usually does not provide you with adequate coverage if you are involved in an accident

For many people, auto insurance can make the difference between financial ruin and financial protection. Purchasing enough car insurance to pay for damages that occur in a car accident can prevent you from being sued for repairs and expenses not covered if you have inadequate coverage.

To get adequate coverage, use our FREE car insurance quote comparison tool with your ZIP code.

In many cases, only having the minimum state-required auto insurance coverage will not provide you with financial protection. To find auto insurance quotes, it is simply a matter of knowing where to look and who to talk to for insurance premium rate quotes.

Cheaper Does Not Equate Best

When it comes to auto insurance, all insurance companies and policies are not created equally. Simply because you find a cut-rate car insurance quote and policy does not mean that it is quality car insurance.

A good quality auto insurance company will provide you with excellent customer service and will process your claims quickly and efficiently. Before buying car insurance, you should investigate and research any prospective company.

You can find information regarding ratings of auto insurance companies from websites such as JD Powers and Associates and AM Best.

  • JD Powers and Associates conducts annual customer satisfaction surveys on car insurance companies and rates them based on results
  • AM Best monitors and rates insurance companies for their financial stability and financial reserves

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Auto Insurance Provides Financial Protection

Although liability car insurance is mandatory in 47 states, it usually does not provide you with adequate coverage if you are involved in an accident.

According to a recent study by AAA, the average cost of a fatal accident is more than $3 million and an accident-only accident can result in bodily injury costs of almost $100,000.

Minimum liability car insurance covers only a small fraction of these average costs, leaving you open to potential liability lawsuits if you only carry the minimum amount of coverage required by law.

If you own a home, have a business or own anything else of value, it is highly recommended that you purchase additional liability car insurance for as much financial protection as possible.

Knowing the exact type of coverage you can afford and need in the case of an accident is crucial in determining your auto insurance policy and company. Reassessing your auto insurance options and prices on a regular basis is good practice.

Car insurance also protects you if your car is damaged beyond repair or if you are responsible for a car accident that results in damage to someone else’s property.

  • Liability insurance will pay for damage to someone else’s car and to the property such as a city light post
  • Collision insurance provides you with additional protection, particularly to your own car or property
  • Comprehensive auto insurance provides financial protection for your investment in your car if it is stolen or damaged in ways other than a car-to-vehicle accident

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Auto Insurance Company Quotes

There are multiple places you can go to find car insurance company quotes. One source is an independent insurance broker or agent.

Independent brokers usually represent more than one insurance company, so they have the ability to provide you with premium rate quotes from several car insurance companies for comparison.

Additionally, they can help you decide how much and what kind of auto insurance coverage you need to provide you with the most and best levels of financial protection.

Another source for auto insurance company quotes is directly from the insurance company. All insurance companies now have websites that allow you to learn more about their services and what other forms of insurance they provide.

In many cases, you can learn detailed information about other services that are included in their auto insurance coverage, such as towing and roadside assistance services.

You can usually request an estimated premium rate quote from a car insurance company website, but you may also need to speak to a customer service representative to get more precise premium rate quote information.

You can also learn about car insurance company rate quotes from insurance comparison websites. Comparison websites allow you to enter your information one time and receive rate quotes from several auto insurance companies within short period of time.

In addition to information regarding rate quotes, many car insurance comparison sites also are a good resource for general information regarding auto insurance.

Purchasing Auto Insurance

Buying car insurance is an important financial decision. Before you decide what auto insurance company will provide you with the best protection, make sure you compare rates and company information for at least three different companies.

You can also take steps to keep your auto insurance rates as affordable as possible.

You should ask whether you are eligible for any possible discounts since almost all major auto insurance companies offer discounts of some form to attract and keep customers.

To see attractive quotes right now, enter your ZIP code into our FREE car insurance comparison tool.

The purpose of buying car insurance is for financial protection. If at all possible, you should buy more than the minimum amount of auto insurance to protect your assets.

You can find car insurance company quotes by talking to independent insurance brokers, going to insurance comparison websites or directly to insurance company websites.

References:

  1. http://www.jdpower.com/
  2. http://www.ambest.com/home/default.aspx
  3. http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  4. https://www.goodfinancialcents.com/best-auto-insurance-companies/
  5. https://www.thebalance.com/agents-versus-brokers-and-how-they-make-money-462383

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