Where can I buy cheap auto insurance?

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Things to Remember...
  • Around 96% of Americans are paying too much for their insurance
  • According to the Institute for Insurance Information, drivers should begin searching for a policy by getting quotes from at least three different companies
  • Many auto insurance companies have streamlined their online services to make shopping for insurance extremely easy and affordable
  • One of the main advantages of seeing an agent in person is that it gives drivers the chance to ask questions
  • However, the most common way that insurance agents are paid is on commission. While most agents want to help their clients, many also want their customers to purchase the most expensive policy possible

According to a report released by the Insurance Institute, around 96% of American consumers are paying too much for auto insurance. It’s safe to say that no one wants to overpay for auto insurance.

Still, the majority of consumers could be paying less for coverage. Doing your research in advance is the key to ensuring you are getting the best rate for your insurance.

To lower the cost of insurance, drivers need to learn how and where to shop. Enter your zip code into our FREE tool to get started!

Where to Find Cheap Auto Insurance

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The easiest way to find cheap car insurance is by browsing online. Shopping online is a low-pressure way for consumers to research different companies, compile information, and thoroughly evaluate their options.

According to the Institute for Insurance Information, drivers should begin searching for a policy by getting quotes from at least three different companies.

Fortunately, as long as a person has Internet access, getting quotes has never been easier. Today, it takes about five to ten minutes to apply for auto insurance quotes online.

Requesting an online quote is almost always easier than calling agents or visiting them in person. Most consumers simply do not have the time to visit three different auto insurance companies to get quotes.

Financially savvy consumers know that the most effective way to comparison shop is to take advantage of online comparison tools.

Purchasing Insurance Online Vs Contacting an Agent

While most people appreciate the opportunity to get auto insurance quotes online, some are wary of actually purchasing a policy on the Internet. Many people worry that they will do something wrong, or that they will not receive as much individualized attention.

Fortunately, these worries are usually unnecessary.

Most auto insurance companies have made their online applications extremely easy for drivers to complete. To request quotes, drivers will need certain information, including their:

  • Personal information including name, birthday, and address
  • Driver’s license number
  • Social Security number
  • Driving history information
  • Average daily or weekly mileage
  • Car information including the year, make, and model
  • License plate number
  • Their car’s VIN number

As long as a driver has this information available to them, it is almost impossible to fill out an application incorrectly. If a person makes a mistake, it is possible to review their online applications and make all necessary adjustments.

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While getting an online quote is easy, there are also advantages of speaking with an insurance agent. One of the main advantages is that it gives drivers the chance to ask questions.

If a driver is unsure of how much coverage they need or what options to include in their policy, it might be a good idea to consult an agent.

However, the problem with working with an agent is that most drivers will usually end up with a much more expensive policy.

According to the Bureau of Labor Statistics, the most common way that insurance agents are paid is on commission. While most agents want to help their clients, many also want their customers to purchase the most expensive policy possible.

To purchase the cheapest auto insurance policy, drivers need to prepare themselves by obtaining quotes prior to contacting a company.

Drivers who collect a few quotes before talking to an agent will be in a better position to walk away with an affordable policy. Still, many drivers will find that the lowest quotes they receive are those they get online.

How to Get the Cheapest Auto Insurance Quotes

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In addition to comparing online quotes, there are other ways to get the lowest prices. The first way is to be flexible with one’s policy. Drivers should not just compare the quotes offered by different providers, they need to compare the prices of different policies.

One way for drivers to lower their auto insurance premiums is to increase their deductible. Drivers should also experiment with their different coverage options and see how much they can save.

Another way to get a cheap auto insurance policy is to take advantage of discounts.

According to a study released by the Pennsylvania Department of Insurance, American drivers could save an annual $300 million if they would take advantage of all applicable discounts.

Since 70 percent of insurance agents regularly fail to mention auto insurance discounts, drivers need to take the time to determine what they could qualify for. Popular discounts include:

  • Safe driver discounts
  • Multiple policy discounts
  • Discounts for anti-lock brakes
  • Good student discounts
  • Discounts for carpoolers
  • Nonsmoker discounts
  • Discounts for anti-theft devices
  • Discounts for airbags and automatic seat belts
  • Low mileage discounts
  • Older driver discounts

When applying for quotes online, insurance providers make it possible for drivers to claim certain discounts. Others are automatically calculated into a person’s quotes according to the information they provide.

While purchasing insurance online might seem intimidating at first, many drivers discover that the Internet really is the best place to get insurance quotes, compare providers, and purchase the cheapest auto insurance policy possible.

Use our FREE comparison tool to start your search now!

FREE Auto Insurance Comparison

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