How to Find Car Insurance Rates

The easiest way to find car insurance rates is by comparing quotes online. Comparison shopping can reduce your car insurance rates by up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Sep 15, 2020

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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...

    • Finding and comparing car insurance rates online is an easy way to get started.

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  • Talking to a local agent is a good way to have you questions answered
  • Your rates are determined by many factors
  • There are things you should look into if you want to reduce your car insurance premiums
  • A company’s financial ratings and score with the Better Business Bureau are good indicators of stability and reputation

The easiest way to find car insurance prices is online. When searching for car insurance, most drivers look for the lowest rates and choose a company based only on the price.

Although finding the best rate for your budget is important, keep in mind that it is also important to look at other aspects of the company.

Begin your price shopping for car insurance rates right now by entering your ZIP code in the FREE quote box found on this page!

Although finding insurance prices online is usually the fastest and easiest way, there are other ways that you can search for rates.

Many companies have agents in your neighborhood that would be happy to give you free price quotes based on what you need. This is one way to get an idea of price as well as learn more about car insurance itself.

Local Car Insurance Company Office

If you prefer interaction that is more personal and you have some time in your day, one way to find prices for car insurance is to stop by and visit a couple insurance offices in your neighborhood.

Some of these offices have multiple agents in them while others are run by one particular agent.

The benefit of speaking with an actual agent is that you can have all of your insurance questions answered. Although many drivers understand the basics of insurance, a lot of them don’t really understand everything associated with it, and this can have consequences down the road.

You may also be confused as to what type of coverage you should get. This varies from driver to driver. You may be tempted to either buy the minimum insurance available to save money or buy full coverage when you really don’t need it.

If you are new to buying car insurance or you have questions, it would be a good idea to at least sit down with an agent and talk about what might be best for you.

Once you have a better idea about what types of coverage, the deductible amount, and limits you want, the agent can give you a price quote based on these factors. It is always a good idea to get quotes from a few companies.

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There is a multitude of advertisements related to car insurance. You can see them on television, hear them on the radio, and notice them on billboards when you are driving.

Some of them advertise great service and claims processing, while others advertise that they can save you a lot on your insurance policy.

If price is the most important aspect of car insurance to you, check out the companies that offer to save you money. Some of them may be available locally while others may only be contacted online. Again, check out more than one company before making a decision.

Online Car Insurance Quotes

The quickest and most convenient way to find car insurance prices is online. You can look up individual companies and get quotes on their websites. Possibly the best way is to use a site like this one in which you are able to get multiple quotes in one place.

All you have to do is fill in the information, which may take anywhere from 20 to 30 minutes. Once you have done this you will be contacted by multiple companies with price quotes.

You may find that the quotes differ greatly. You also may notice that the quotes are similar, which may be because most companies rate you based on the same factors. Pick three to four companies to further research before choosing one to insure you and your vehicle.

How Car Insurance Rates are Determined

Prices may differ greatly from one driver to the next, but be similar when comparing multiple companies for one driver. The majority of companies use the same factors so the price quotes may not differ a whole lot, although at times they might.

Here are some of these determining variables:

  • Vehicle type – The type of vehicle you drive and where you live are the first questions that you will be asked.
  • Zip code – Where you live affects what you will pay for car insurance.
  • Car – How old your car is and what type it is will also affect your rates.
  • Safety – A car that is considered to be safe will cost less to insure than a sports car, for instance. You can find out the safety rating of your current vehicle by visiting Safer Car.
  • Annual mileage – You may not think that how much you drive would make that much of a difference in regards to your car insurance rates, but it does. If you drive less than 25 miles a day or only a few days a week, you will pay less than someone who commutes many miles every day.
  • Driving history – This is one of the biggest factors in what you will pay for car insurance. If you have had accidents in the past or have gotten speeding tickets, expect to pay more for insurance.

This is one of the reasons why car insurance rates for teen drivers are so high, because teenagers get into more accidents than any other age group, according to the National Highway Traffic Safety Administration.

Your credit score will also affect how much you pay for car insurance. A low credit score indicates to car insurance companies that not only are you not very responsible with your finances, but you’re not careful about your driving, as well.

To improve your credit score and decrease your insurance rates, check out the Federal Reserve’s website.

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How to Save Money on Car Insurance

If you are concerned with how to save money, there are a number of things you can do besides just searching for cheap car insurance rates.

Improving your credit score and focusing on driving safely and not adding any more accidents to your record will save you money down the road. This takes time, however.

One thing you can do in the interim is to check with your current insurance company or ask other insurance companies if there are discounts that you are eligible for. These discounts are offered by insurance companies to reward those drivers who help save the company money.

Once you are quoted a price for car insurance, look at the details of the policy, as there may be some things you can do within it to save money. Here are some ways you can change your rates:

  • Weigh your deductible – The higher deductible you can afford to pay, the lower your rate will be.
  • Consider less coverage – You may also find that you don’t need as much coverage. If you are quoted for full coverage, determine if it is necessary. Collision coverage and comprehensive coverage, which help cover expenses from damage to your vehicle, can add up quickly.
    • Your insurance company will only cover damages up to the value of the car. Check to see what the market value of your vehicle is at Kelly Blue Book.
    • If its value is close to what your deductible is, you are wasting your money on coverage for comprehensive and collision.
  • Check your health insurance – If your policy includes medical coverage such as PIP or medical payments, check to see what your health insurance covers. If it is good coverage, you may not need coverage through your car insurance as well.
  • Think about dropping optional coverages – You may have been quoted for a policy that includes optional coverage such as roadside assistance or towing. It probably isn’t necessary if you have that coverage through somewhere else, such as AAA.

Researching Car Insurance Companies

Once you have price quotes from a few different companies, your next step is to pick one. Basing your decision on price alone is not a good way to go. Research the company to make sure it is a good and reputable company.

The first thing you should do is make sure the companies are financially secure and stable.

Although the ratings are not a guarantee of future success, a rating by A. M. Best of A- or higher is a good indication that the company will be around for a long period of time and that it has enough assets to cover current outstanding and future claims.

Do not choose an insurance company that has a questionable outlook. It is no good to you if your insurer does not have enough money to pay for claims that you may make.

Standard and Poor’s is a good source to find out a company’s financial history.

In addition, do some research to see if the companies have any complaints that have been made against them. You can contact the insurance department in your state, which is a good resource for many insurance related questions.

The Better Business Bureau is also a good source to find out about particular companies in your state. It lets you know if there are any complaints made against the company based on different categories.

Even if the company is not accredited by the Better Business Bureau, it still lists complaints that it has received from consumers.

There are many sources you can use to find car insurance prices. Choose the method that works the best for you and make sure you do the proper research.

You can start your search for affordable car insurance rates right here by placing your ZIP code into the FREE quote box!

Free Car Insurance Comparison

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

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