What’s the cheapest car insurance company?

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Things to Remember...
  • When you change the type of insurance products that you need, you may find that a company that was cheap for you before suddenly becomes very expensive
  • Furthermore, sometimes it is the smaller companies that have the better prices, especially if you have more specialized and specific needs
  • It probably isn’t worth making a change from one company to another for one or two dollars a month, especially considering the down payment requirements many insurance companies have

It is virtually impossible to tell you what insurance company is going to be able to offer you the lowest prices. However, GEICO is a company that is consistently rated as a company that offers the lowest rates around with Progressive a close second.

However, that doesn’t mean that GEICO or Progressive are going to be the cheapest options for you. Your situation may be drastically different from that of another person. That is why it is so difficult to answer this question.

In addition, when you change the type of insurance products that you need, you may find that a company that was cheap for you before suddenly becomes very expensive.

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How can I find out which auto insurance company is the cheapest for me?

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The easiest way for you to find the cheapest auto insurance company is to use a quote tool that will allow you to compare rates among several different companies, like the one we offer here.

Our free quote tool allows you to enter your information one single time and then presents you with quotes from the companies that have the lowest rates.

You will also have the opportunity to view quotes from companies with higher rates, but you will be shown the lowest rates first.

You will not be obligated to make a purchase when you use a free quote tool. In addition, you won’t receive phone calls or mail asking you why you haven’t made a purchase.

When you get a quote directly from an insurance company, you will receive those phone calls and mail, it is how they attempt to make a sale.

What kind of insurance companies will I get quotes from?

Every quote tool is different. Some companies that create quote tools only work with the top four or five biggest auto insurance companies, which limits the quotes that you receive.

However, an unbiased, third-party quote tool offers quotes from a variety of companies, not just the big names, so that you have more options for your quotes.

Furthermore, sometimes it is the smaller companies that have the better prices, especially if you have more specialized and specific needs.

For example, there are some insurance companies that only sell the insurance required by the state; in other words, the basic amount with no comprehensive, no collision, and so on.

These companies often have lower rates than any other insurance company. Although they aren’t for everyone if you only need basic insurance coverage, one of these companies may be right for you.

How often should I get car insurance quotes?

One of the most important things that you should remember is that you shouldn’t change auto insurance companies too often, otherwise you will find your rates increase. However, you should go ahead and shop around for quotes each time your policy is about to be renewed.

It probably isn’t worth making a change from one company to another for one or two dollars a month, especially considering the down payment requirements many insurance companies have, you are going to pay more than if you pay your current bill.

FREE Auto Insurance Comparison

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However, if you find that you are going to save $10 or more a month, then you might want to consider making a change, even if you just started with your current insurance company.

There are no auto insurance laws preventing you from making a switch, so you should when you know you are going to be saving money.

At the very least, you should use a free quote tool once a year.

This way, you can ensure that you stay with an insurance company long enough not to be penalized for switching companies. In addition, you can be confident knowing that you aren’t paying too much for your insurance.

Am I guaranteed the rate that I receive from my quote?

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Unfortunately, there is no guarantee that you will get exactly the rate that you are quoted. The reason for this is that sometimes things pop up on your driving record or you have had past claims that won’t come up with an initial quote.

Unless you left out something major when filling out your questionnaire, like a DUI or major accident, you should get a monthly payment close to or around the rate you were quoted.

However, if you missed something, then you may have to pay more.

Before you start your quote, make sure you have all of your driving information up to date. If you have had any accidents, get an estimate of the overall cost to ensure that this is figured into your quote as well.

Start comparing quotes by using our FREE online tool below!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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