How to Find Discount Quotes on Car Insurance

The most common car insurance discounts are for (1) safe driving, (2) good school grades, and (3) combining insurance policies. Compare quotes to save 20% on car insurance rates.

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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: May 15, 2020

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Here's what you need to know...

  • Saving money on car insurance is not difficult if you know how to shop
  • In order to compare rates, you need car insurance quotes
  • The purpose of getting quotes from several companies is to see how much money each company charges for insurance

Comparing rates and services will allow you to find the best company possible. Finding discount car insurance quotes is a fairly simple task you can do on your own.

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

The Benefits of Multiple Car Insurance Quotes

A car insurance quote estimates what an insurance company would charge you if you were a customer based on your personal information such as:

  • Age
  • Gender
  • Driving Record
  • Vehicle
  • Location

They look at who you are and what type of driver you are to determine how much they should charge you.

For example, if you have a poor driving record with several tickets, you’re quoted rate will be higher than an excellent driver who has never caused an accident or gotten a ticket.

If you gather several quotes from different companies, you can better understand what they charge for insurance coverage. After understanding that, you can choose the provider with the best rates.

You can also see what type of coverage they offer for the rate they charge.

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How to Find Car Insurance Quotes

There are generally two ways you can find discount car insurance quotes, the long way or the short way. Each method will give you the same quotes.

The long way is to go around to each individual company you are interested in and ask for a quote. This may mean visiting the websites of individual companies to fill out quote request forms, calling up companies, or visiting local agents.

Either way, this method can be tedious and time consuming.

If you choose this route, first make a list of all the insurance companies you want to consider and want quotes from. Do some research online to learn what companies are available.

Once your list is complete, make calls, set up appointments, and request quotes online. Then, after you have your list of quotes, you can compare your quotes according to the steps below.

The better way to find quotes is to go to a website that compiles quotes from a large number of different companies.

You can put in all your information one time and get quotes from all the different companies you’re interested in simultaneously. This also makes it easier to compare the companies side by side.

How to Find Your Ideal Car Insurance Company

For clarification, here are 4 steps to follow that will get you the discount insurance rate you’re looking for quickly and easily:

Step 1: Submit Your Information

Locate an insurance quote site and submit all the necessary information. This shouldn’t take longer than 5 to 10 minutes. Once it’s filled out, click submit.

Step 2: Determine Your Quality Guidelines

While you are waiting for your quotes, take the time to write down what you want in an insurance company. Here are a few sample questions you can ask yourself.

  • What type of insurance do you need?
  • Do you want to work with an agent in person or with an online/over-the-phone person?
  • Do you want a company that offers discounts?
  • How important is customer service to you?

Step 3: Retrieve Your Quotes

Most often, your quotes will be delivered to you immediately following your submission. You might need to wait and be contacted by an agent or receive your quotes by email.

Step 4: Comparison and Decision

Compare quotes from each of the companies side-by-side.

Which company is offering the lowest rates? What type of coverage is included?

Make sure you are getting the best rate and not just the lowest on the list. The lowest might not include adequate coverage. You want to get the full amount coverage you need at the right price.

Further Determination

At this point, you might not be convinced, or you might need further clarification about which company is best for you.

Reviews from existing and past customers can be very helpful. This is the best way to find out the quality of each company’s customer service, a factor that can’t be quoted.

Look at both positive and negative reviews for a fair comparison. If you can’t find negative reviews, that’s a good sign.

Look more closely at sites that give reviews from a large number of customers. There will be more honesty from a customer who has nothing to gain.

At the same time, don’t take a few bad reviews and completely dismiss the company. Oftentimes, only the people with bad experiences will take the time to write a review online.

Ask around in your own social circle for people who have the company you’re interested in. What do they have to say?

Once you’ve determined which company best fits your needs, set up an appointment or call to complete your car insurance purchase. Don’t forget to ask for discounts and other ways to save money in order to get the lowest rate possible.

Enter your ZIP code below to receive multiple car insurance quotes for FREE!

Free Car Insurance Comparison

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

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