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...

  • Take your time and search for information about the main types of coverage. Compare as many auto insurance quotes as possible
  • Most companies provide liability, collision, and comprehensive insurance. Liability coverage is required in most states
  • Car insurance premiums are determined based on factors such as the driver’s age, location, years of driving experience, moving violations, accident claims, occupation, and miles are driven each year
  • Statistics show that individuals with bad credit are more likely to get involved in car accidents and file claims. Maintaining a good credit score will result in lower premiums
  • Keep in mind that most companies offer discounts of up to 70 percent. Insuring multiple cars under the same roof or adding safety devices to your vehicle can lower your rates

Low-cost auto insurance isn’t a myth. With proper research, anyone can find an affordable policy offering great coverage. Car insurance rates are calculated depending on the likelihood of the driver being involved in an accident.

Some of the factors that affect your premiums can be kept under control, and comparing car insurance rates can always keep you up-to-date with your options.

Enter your ZIP code into our free tool to find great rates now! 

Use the Internet

The Internet is the best place to find low-cost auto insurance coverage. With a few mouse clicks, you can save hundreds of dollars on your policy.

Another advantage of shopping for car insurance online is that you won’t have to deal with brokers and salesmen. Take your time and search for information about the main types of coverage. Compare as many auto insurance quotes as possible.

Some customers prefer to buy cheap auto insurance online from the companies they are interested in, while others use quote comparison websites. If you want to compare auto insurance quotes from several providers, go online and use a comparison website.

You will be required to enter a few details such as your age and gender, driving experience, location, credit rating, type of car, and annual mileage.

Applying for car insurance quotes online takes only a few minutes. Some websites provide hundreds of quotes from top rated insurers.

If you have been with the same insurer for years, you may be overpaying for coverage. Insurance companies often offer the lowest rates to new customers. Make sure you go shopping for auto insurance every year to ensure you are getting the best rate.

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

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Choose a Standard Car

If you haven’t bought a car yet, get one that is not expensive to insure. Auto insurance companies divide cars into several groups according to their engine size, age, and the cost of repairs. Before you buy a new vehicle, check its rating.

Cars with small engines and cheap parts are an excellent option for those who want to keep their insurance premiums low.

Fast cars and luxury vehicles often result in costly insurance claims. The newer the car, the higher the repair cost. However, this doesn’t mean that you should drive an old car that has been on the road for over 20 years.

Make Sure You Are Legally Covered

Before you go shopping for auto insurance online, check the minimum coverage requirements in your state. Evaluate your options and decide how much coverage you need.

Even if you are on a tight budget, opt for a comprehensive policy that offers extensive coverage. If you buy a car insurance plan with insufficient coverage, you will pay thousands of dollars from your own pocket in the event of a claim.

Protecting your assets and your health are two of the main benefits of auto insurance. Most companies provide liability, collision, and comprehensive insurance. Liability coverage is required in most states.

In addition to the types of coverage listed above, drivers can purchase uninsured/underinsured motorist protection insurance, medical payments insurance, towing coverage, rental coverage, gap coverage, and personal injury protection coverage.

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Factors That Impact Your Rates

Car insurance premiums are determined based on factors such as the driver’s age, location, years of driving experience, moving violations, accident claims, occupation, and miles are driven each year.

Statistics show that individuals with bad credit are more likely to get involved in car accidents and file claims. Maintaining a good credit score will result in lower premiums.

Drivers living in high-crime areas pay more on car insurance than those who live in low-crime areas. The number of miles you drive may affect your auto insurance rates too. If you use your car on a regular basis, you will get higher premiums.

Maintain a clean driving record and you will save hundreds of dollars on coverage.

Insurance companies calculate your rates based on the factors listed above. However, car insurance premiums vary from one company to the next. Make sure you compare three to five quotes from different insurers.

Keep in mind that most companies offer discounts of up to 70 percent. Insuring multiple cars under the same roof or adding safety devices to your vehicle can lower your rates.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Take Advantage of Discounts

Whether you buy car insurance online or you contact a broker, ask about the discounts offered. Many companies provide major discounts that can significantly reduce the cost of car insurance.

Membership in organizations like AARP and AAA can qualify drivers for extra savings. It may be cost-effective to join a group or organization solely based on the reduction of your car insurance rates.

Drivers can qualify for massive discounts if they have an approved alarm system, anti-lock brakes, automatic seat belts, and airbags. These safety devices will keep you safe and lower your insurance bill.

In most states, a defensive driving discount may apply. Defensive driving courses are ideal for newly qualified drivers. In order to receive a discount, you will be required to show your agent proof of completion.

Statistics indicate that more than half of vehicle thefts occur at night. One of the main targets for thieves and vandals include vehicles that are parked on the street and left unattended.

Keeping your car in a secured area overnight will reduce the risk of theft and lower your premiums.

When you compare cheap auto insurance quotes online, consider the discounts provided. If you find a policy that seems too expensive, increase your deductible. For added savings, improve your credit score and clean your driving record.

Adding a second driver to your policy is another great way to save money. Keep in mind that some companies offer discounts of up to five percent to customers who pay for auto insurance upfront.

Before you buy a policy, research the insurance carrier you are interested in. Many independent agencies rate the financial strength of insurance companies, so make sure you check them out.

Use our FREE online tool to start comparing rates now!

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  2. http://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/
  3. https://www.statefarm.com/claims/resources/auto/what-to-do-after-auto-accident
  4. http://www.aarp.org/
  5. http://find-a-driving-school.ca/top-10-vehicle-safety-devices-aware/
  6. https://cars.usnews.com/cars-trucks/best-cars-blog/2016/08/the-10-cars-that-get-stolen-the-most