Compare Car Insurance Companies That Beat Quotes [2021]

To find the best rates from car insurance companies that beat quotes, comparing multiple offers is key. Knowing how to find the best car insurance rates is imperative to negotiating lower prices and better offers. There are some companies that don't beat quotes due to pricing or policy restrictions. Keep your options open in order to select competitive car insurance rates from the best companies across the nation.

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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® Joel Ohman

UPDATED: Oct 5, 2021

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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

  • Getting a price match from a car insurance company can help you substantially save on your monthly costs
  • The best car insurance companies that beat quotes tend to offer highly competitive rates, so be sure to do your research
  • Comparing offers from multiple companies is the easiest way to find who has the best auto insurance rates

It can be difficult to find car insurance companies that beat quotes. Beating quotes essentially means that a company will match the price of a competitor.

There are some car insurance companies that don’t beat quotes due to pricing or policy conflicts. While getting an exact match on a quote can be difficult, there are many tips and tricks to help lower your car insurance rates.

Knowing how to find the best auto insurance rates starts with comparison shopping. It can be hard to know who has the best auto insurance rates without doing some digging. Comparing offers from at least three different car insurance companies can help you see what is being offered.

Another key aspect in purchasing the best auto insurance is understanding car insurance policy standards and terms.

Price matching and comparison shopping are powerful tools to help you negotiate better prices with your current car insurance provider. You can also use your research to help get lower rates from a company you are considering switching to.

If you are searching for competitive car insurance rates, enter your ZIP code above to instantly compare local car insurance quotes for free.

What auto insurance companies offer competitive car insurance rates?

The most competitive car insurance companies typically offer a balance of the most affordable rates with the highest quality policies possible. Each company has a unique pricing algorithm that uses the personal information you provide to create a quote.

The Insurance Information Institute outlines several factors that will affect the price of your insurance rate. These include things like your driving record, usage, location, age, gender, and many more.

Your personalized quote may differ from standardized models. However, referencing the average rates from insurers can help you get an idea of who has the best auto insurance rates.

The largest companies tend to have more policies on offer at slightly higher price points.

Competitive Car Insurance Rates from Major Insurance Providers
Company NameAverage Rate (Monthly)Average Rate (Annually)
Allstate$63$759
Farmers$55$656
GEICO$32$380
Progressive $48$577
State Farm$46$550
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This data indicates that GEICO offers the most affordable and competitive rates. You can find a thorough breakdown of everything the company has to offer in our GEICO car insurance review.

Just because you’re lookingc to save doesn’t mean you have to stick with the major car insurance companies. Be sure to check your local offerings before you buy auto insurance from car insurance companies that beat quotes.

Smaller companies tend to have slightly lower rates and may be more lenient with price matching.

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How do I get a car insurance company to price match?

Car insurance companies that beat quotes are going to need proof that you have a better offer somewhere else. This is simply because they would rather give you a lower price than have you take your business elsewhere.

However, price matching is typically only possible when the rates are within a reasonable range.

Your car insurance provider may be able to easily knock off $50 monthly, but it’s unlikely your agent can discount you hundreds of dollars.

How do I price match car insurance rates?

  1. Run a comparison of multiple quotes from different car insurance providers. Be sure you are selecting the same amount of coverage so the comparison is fair.
  2. Contact your top choice of provider or current insurance company.
  3. Let them know that you’ve found a better offer and begin negotiating for a better price.
  4. If they can’t match your pricing, move on to the next company you’re considering.
  5. Review all of your offers and discounts and choose the best policy for you.

Keep this process in mind when it’s time to renew your policy. You can easily save more each time you run this analysis.

Each company may have some discounts or benefits programs you qualify for, so be on the lookout for the next best deal.

How do I find the best car insurance rates?

Comparison is the best option for finding the best car insurance rates. Many variables ultimately contribute to your car insurance policy. As you begin comparing different offers, there are some key factors you should keep in mind:

How much is my deductible?

The deductible is the amount you will have to pay before your insurer will cover expenses. Ideally, a higher deductible will mean lower monthly rates, and lower deductibles increase your monthly costs.

What car insurance coverage do I need?

While basic coverage is a legal requirement for all drivers, there may be some additional protections you’d like to add to your policy.

Basic property damage coverage will require lower monthly payments. However, more secure policies like comprehensive coverage may be worth the higher price tag. Read up on our comprehensive car insurance guide to learn about the benefits of more coverage.

What car insurance discounts can I get?

Car insurance discounts are a great way to lower your monthly costs. Usually, your initial quote will not include savings from all of the discounts you’re eligible for.

There is a wide range of discounts you may qualify for, ranging from being a good student to installing safety features in your vehicle. Always check online or with an agent to see how much you can save.

To get the best offers from car insurance companies that beat quotes, enter your ZIP code below and compare rates from providers near you for free.

  1. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy

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