Auto Insurance Comparison

Understand auto insurance, compare premiums last, never take the first quote, and ask about discounts to get a successful auto insurance comparison. Then, choose the best provider for your situation.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

Here's what you need to know...

  • Before you can buy auto insurance, you must understand the details which go into the various types of coverage
  • Never take the first quote–make sure you compare several companies before committing to one
  • Know what policy discounts are available and which you are eligible to apply for
  • Make sure you research the claims handling division of every insurance company
  • Comparing several insurance quotes will help you to choose the best provider for your unique situation

Ever wonder what the difference is between Allstate and State Farm, if Esurance has local agents, what kind of insurance the General Auto Insurance Company offers and if Geico is as reliable as it is hilarious?

The auto insurance industry has many different car insurance providers, and sometimes the simple task of choosing the right car insurance company can be difficult.

From customer reviews to a list of discounts to online quotes, Car Insurance Comparison is a great resource to use when comparing auto insurance.

Car Insurance comparison is one of the most popular events online with over 100 licensed car insurance companies in most states.

Use our FREE tool above to get instant insurance quotes!

Finding the right combination of auto insurance coverage, premiums, and provider is possible, and with the right steps you can quickly find suitable coverage. Some of the most important steps to compare car insurance are discussed here.

1. Understand Auto Insurance

business, finance and people concept - close up of woman reading papers or tax report at office

When buying a new car you spend time researching the details of the vehicle including fuel efficiency, storage space, consumer reviews and other factors. The same effort should be used when comparing car insurance.

Many types of insurance coverage exist and while there are common types of auto insurance such as comprehensive, collision and liability, the details of coverage can vary from one insurance provider to another.

Start learning about auto insurance with our Auto Insurance 101 guide here.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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2. Compare Premiums Last

You probably already know how much you can afford and, unlike buying a vehicle, auto insurance doesn’t vary a whole lot from one provider to another. Almost all drivers get insured for less than $300 a month.

How to save money on insurance premiums will simply depend on how much you know, what discounts are available, and which provider you choose.

While it is true you can save $500 or more year by switching car insurance companies, this form of comparison should be your last piece of the puzzle as finding the right coverage is the most important.

3. Never Take the First Quote

This rule of thumb applies in almost any financial decision and although you certainly may end up using the first company to provide a quote, it is impossible to know if you are purchasing a competitive policy without comparing your auto insurance options.

Try to compare at least five or six car insurance quotes before making a decision.

4. Always Ask about Car Insurance Discounts

Never depend on an auto insurance company to offer all the car insurance discounts you may be eligible for. This is one of the main reasons why understanding auto insurance is very important in any comparison search.

Although many auto insurers automatically apply a lot of discounts, the extent of discounts offered may depend on the representative you speak with, how you apply, as well as other factors.

The best way to take advantage of car insurance discounts is to understand which ones are available and ask any potential insurer about your eligibility for them. Remember the old expression: “If you don’t ask, you don’t receive”

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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5. Pay Attention to Claims Handling

It’s natural to ask friends and relatives about their car insurance company but always try to focus on comments or reviews from people who have filed a claim.

There are very few car insurance companies who do not have friendly customer agents, but the true test is when it comes to handling a claim.

Some auto insurance providers have been labeled as tight-fisted when it comes to claims handling but superb when it comes to customer service.

What is more important to you – a friendly agent to collect your premiums or a friendly claims-handling division to pay you money when you need it?

Always evaluate personal recommendations along with industry reviews before committing to a particular provider.

6. Evaluate the Intangibles

Customer Service.

Choosing an auto insurance company is like choosing a bodyguard. You need someone who will be right next to you in the event of an accident or close by when you have a question or two.

While many auto insurance companies have 24-hour customer service and advanced online account management tools, some still only serve people during limited hours or request in-persons visits for policy changes.

The advantages of having someone you can call no matter what time of the day or night can be priceless if the need arises.

When comparing auto insurance companies, it is critical to include the intangible benefits of choosing one provider over another.

Consumers have a wealth of options for car insurance and by using the right steps can find affordable auto insurance online.

Get started today with your insurance comparison by simply entering your ZIP code now!



Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption