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Finding the Cheapest Car Insurance

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Here's what you need to know...
  • Several factors including your age and driving record influence the cost of car insurance
  • Using online tools is an easy way to find cheap car insurance
  • Make sure a lower cost does not mean a lower quality of coverage
  • Research to find the best deal before buying insurance for your specific needs

Auto insurance is one of the primary costs of owning a car. In fact, over the lifetime of your car, it is possible that you will pay more for auto insurance than you paid for the car itself! For this reason, finding cheap car insurance is important to most drivers.

Just type your ZIP code now into the FREE box on this page and get quotes from car insurance providers near you!

There are many easy ways to look into car insurance quotes and find a new, cheaper policy. This could be a quick way to save yourself hundreds of dollars a year.

Simply follow the tips below and you may be well on your way to paying less for car insurance!

Factors That Influence the Cost of Car Insurance

Before you go looking for low cost auto insurance, it is important to understand the factors that influence the price of insurance. This can help you make a more educated decision about your insurance policy.

This helpful description of auto insurance rate factors from the Cincinnati Insurance Board may help you better understand what is contributing to the cost of your premium.

The following list shows some of the elements that can contribute to your auto insurance rates:

  • Age and driving record
  • Type and age of car that you drive
  • How often and how far you drive
  • Where you live
  • Level of coverage that you choose
  • Discounts that you take advantage of

Some of these factors can be manipulated while others are beyond your control. By focusing on the factors you can change, such as the type of car you drive and the discounts you apply for, you can help drive down the cost of your automobile insurance.

Finding Cheap Automobile Insurance Online

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One of the best ways to find cheap auto insurance is to look online.

Using the Internet gives you access to a wealth of information about insurance policies, companies, and rates in a short amount of time.

One thing to do when you are looking for cheap automobile insurance is to narrow down the companies that you are interested in purchasing a policy from. You will first want to find the best fit for your needs in terms of an insurance provider and then look for the best policy price.

It’s a good idea to identify two to four companies that are reputable and that you would be comfortable working with. You will want to find unbiased information and reviews about them which will help you evaluate whether they are a fit for your needs.

Many companies provide independent research and consumer reviews for insurance companies. Some of the best known include JD Power and Associates and AM Best. These companies publish annual reports ranking insurance providers.

These reports are free and available online. You can read about different insurer’s service levels, price, quality, and overall consumer satisfaction. 

Once you have a few insurers in mind, it’s time to look at quotes and costs. By using the internet, you can easily search multiple quotes at once. Simply use the tool below to get insurance quotes from several insurers in your area.

Other Ways to Find the Cheapest Car Insurance

While the Internet is a popular way to find cheap insurance quotes, it is not the only way that you can find insurance. Many consumers choose to work with an independent insurance agent to find their next policy.

Independent insurance agents can be found locally in your area. These agents typically have relationships with multiple companies and can work to find you the best deal.

They are usually available on the phone and in person and can provide a more guided experience than purchasing insurance online.

Independent insurance agents can be found in the phone book, online, or through the recommendations of friends and colleagues.

Additionally, it is possible to contact insurers via phone for quotes. This can be helpful if you’ve narrowed your search to just a few insurers, and you have questions or want to inquire further about discounts.

By contacting an insurer on the phone, you have the opportunity to ask for specific information from a representative and to negotiate if necessary.

Another way to find a great deal on auto insurance is word of mouth.

Talk to friends and colleagues and ask them what kind of auto insurance they are using and if they are happy with the price, quality, and service that they are receiving.

Often the cheapest auto insurers don’t have a big budget to spend on advertising. The best way to find a deal may be to ask around.

Factors to Consider in Looking For the Cheapest Car Insurance

Getting the best price on car insurance is important. However, quality and value are important too. Don’t just buy the cheapest car insurance you find; get the policy that is the best value for you.

This means making sure that the policy and level of coverage that you choose fits your needs.

If you buy too much insurance, you will be overpaying. However, if you have too little coverage, your financial exposure could be great.

This article from SmartMoney may help you determine exactly how much auto insurance coverage you need.

You will also want to pay attention to customer service. If you have a problem and need your insurer, the last thing you want to do is deal with a company that is rude, difficult, or inaccessible.

Look for insurers that offer easy to reach customer care specialists, local representation, and a good reputation for providing excellent customer service.

Best Known Companies for Cheap Car Insurance

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There are certain companies that are well known for having inexpensive car insurance.

While a low price doesn’t guarantee that the insurer will be a good fit for your needs, it may be a good place to start if you are looking for cheap car insurance.

GEICO, Progressive, and State Farm all have a reputation for having very affordable policies. You may want to investigate these companies or others like them to find the best deal on car insurance.

However, don’t overlook smaller or regional companies as well. Often, these insurers also have very reasonable rates.

Local and regional insurers don’t have the same advertising and overhead expenses as their national counterparts and may therefore, be able to offer a more discounted car insurance policy.

What You Can Do to Make Your Car Insurance Cheaper

If you’ve followed all of the above steps, you’ve likely secured a new, inexpensive automobile insurance policy! However, you may still be wondering what the next steps are to bring your policy even lower.

You can do this by focusing on the factors that influence your insurance rates that are within your control.

For example, your driving record is a good place to start. Remember that a speeding ticket is much more than a fine; it can be a huge hit on your insurance premium as well. Drive carefully and be mindful of the rules of the road.

You can also look into how to qualify for additional discounts on your policy.

For example, if you are in college, maintaining good grades may make you eligible for a good student discount. Additionally, if you decide to install an anti-theft device in your care, you may get a break on your premium.

When you are looking at cars, don’t just pay attention to the price. You should also study reliability, cost to repair and replace, and of course, the cost to insure.

When it comes time to shop for a new car, you have another opportunity to affect your insurance rates.

For example, a minivan or a sedan will cost less to insure than a sports car. Even if you pay a little bit more for the vehicle, you may end up saving money based upon the lower insurance cost.

Finally, be sure to take advantage of discounts! Remember, auto insurers update and change their policy discounts all the time.

Be sure to keep up to speed on news and changes from your current insurer as well as competitive companies. This way, you will be well poised to take advantage of discounts as they come available.

Taking the time to do a little research and digging can easily help you find cheaper car insurance and can put hundreds of dollars back into your pocket.

Just enter your ZIP code now below in order to get FREE auto insurance quotes near you!

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