Who offers the cheapest auto insurance quotes?

You can find the cheapest auto insurance quotes by using a quote comparison tool, which takes your information and gives you quotes from several different companies.

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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 24, 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...

  • While you want quality coverage, you also want discount pricing to help you save money.
  • You need enough coverage to shield your assets in the event that you are found at fault for an accident.
  • Never rely on the state minimum requirements when choosing insurance coverage. Use a calculator or talk to an agent to find out how much coverage you need to protect your family and your assets.
  • When you start comparing prices, make sure you’re receiving those coverage levels with all quotes.
  • You’ll be required to carry comprehensive insurance as part of your contract with your lender. However, you can drop it once your car is paid off and save some money.

Auto insurance is a necessary expense if you want the privilege of driving in most states. Designed to protect others should you cause an accident, you should ideally have insurance to protect your own assets in the event of an accident.

While you want quality coverage, you also want discount pricing to help you save money.

Finding the lowest price on auto insurance may feel like an overwhelming task, but it’s surprisingly easy when you use comparison sites. Here are some tips to help you navigate the sites and find the best insurance for your budget.

Enter your ZIP code now to easily compare car insurance quotes for FREE!

Determine Your Personal Coverage Needs

Your insurance plan should protect you from lawsuits.

This means that you need enough coverage to shield your assets in the event that you are found at fault for an accident.

Calculators are available to help you determine what level of coverage is appropriate for your needs. Here are also a few facts you should keep in mind when choosing levels.

  • Insurance companies will only pay up to the stated amount on the policy. If the damage exceeds that level, then you are expected to pay the balance. The other party can sue you in court and go after your assets, including your house and savings.
  • Ohio requires drivers to carry $25,000 liability insurance to cover the damage to other cars and property in case of an accident. However, most new cars cost well over this amount. Other states, like Arizona, have minimum levels as low as $10,000.
  • Florida requires that drivers carry $10,000 for personal injury protection, but they’re not required to carry any insurance to cover someone else’s injuries. Considering the high cost of medical care, it’s easy to see where a serious car accident could result in large medical expenses.

Never rely on the state minimum requirements when choosing insurance coverage. Use a calculator or talk to an agent to find out how much coverage you need to protect your family and your assets.

When you start comparing prices, make sure you’re receiving those coverage levels with all quotes.

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Is comprehensive coverage necessary?

Comprehensive insurance covers your property in an accident. It covers repairs to your car, and it also protects you from storm damage, vandalism, and theft. It’s the most thorough coverage, but it really doesn’t add that much to your insurance premium.

Dropping this coverage isn’t an option if your car is still financed or you have a lease.

You’ll be required to carry it as part of your contract. However, you can drop it once your car is paid off and save some money.

Do you really still need this coverage? This is a hard question to answer, but here are some facts to consider.

  • The cost of used cars is up While your car may be paid in full, you need to look at what you would pay to replace the car. The small amount you pay for this coverage is a lot more affordable than a new car note if yours is totaled.
  • Comprehensive coverage perks If your insurance company offers towing insurance or glass replacement, then the comprehensive plan is more appealing. Just knowing that you can call for a free tow if your car breaks down can make comprehensive coverage worth it.
  • Peace of mind If you have comprehensive coverage, then you know you can get another car if yours is totaled. Storms that roll through and cause extensive damage won’t have to be a source of stress because you’ll be covered. This peace of mind may be invaluable for some people.

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Rethink the Deductible

When you start looking at quotes, remember that raising the deductible will lower the insurance premiums.

Some states have maximum deductibles or $1,000 or $2,000, so you may be limited on how much you can raise it.

Bumping up your deductible can drop your premiums by a substantial sum, and it’s worth it if you’re a safe driver. However, you should take the initial savings and start putting them in an account to cover the deductible in case you do have to file a claim.

As with the insurance coverage levels, make sure that you are using the same amount for all quotes.

There’s more to an insurance company than the rate they charge. You also need financial security and solid customer service.

It starts with finding a company that has attractive rates, but you should also research the companies further to see who has high ratings with JD Power and A.M. Best.

This can help you narrow the search and find a company with low rates as well as quality service.

Look at Discounts and Special Features

Insurance companies look for a great deal of information, but they also have discounts based on those little details. When filling out the forms with your comparison site, answer the questions accurately to snag discounts you may not know about.

People with safe driving records and even those in certain professions can also qualify for attractive discounts. As the discounts add up, the price for one company can drop to more appealing levels. Before making your final decision, make sure that you’re receiving discounts you qualify for.

Different companies also have special features you may find attractive. You may pay just a few dollars more for the service, but you may decide it’s worth it to you.

Some examples include vanishing deductibles and programs that replace a totaled car with one that’s a model year newer. When reviewing the offers from different companies, take this into account as you make your final decision.

As you review the quotes from companies for the lowest price, remember to look at the coverage levels and other fine print. A cheaper price tag that comes with less coverage isn’t a bargain, but it can increase your personal liability in an accident.

You can save by raising the deductible or dropping comprehensive, but you should weigh that decision carefully to be sure it’s the right one for you.

With a little planning and the help of comparison sites, you can find the best price on insurance and choose a company that will provide you with quality service when you need it.

Use the FREE comparison site below to start comparing rates now. Simply enter your ZIP code now!

References:

  1. http://bmv.ohio.gov/insurance_requirements.stm
  2. http://www.flhsmv.gov/
  3. http://www.jdpower.com
  4. http://www.ambest.com
  5. https://www.statefarm.com/insurance/auto/discounts/steer-clear/steer-clear-online
  6. https://www.progressive.com/auto/insurance-deductibles/
  7. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx

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