How can I find affordable car insurance online?

Finding affordable car insurance online is most easily done by using quote comparison websites. When comparing car insurance quotes, pay attention to which companies offer multiple discounts to save even more.

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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: Jun 9, 2020

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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.

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Here's what you need to know...

  • Premiums vary drastically from one insurer to the next
  • The cost of auto insurance is based on many factors
  • When you compare car insurance quotes, look for companies that offer multiple discounts
  • Using a quote comparison website for research can be a big help in getting the best deal on coverage

Everybody wants to save money on car insurance. Taking a few minutes to learn about what’s covered by your policy could save you hundreds of dollars in the long run.

Simply type your ZIP code into the above FREE comparison tool now to get started!

Gather Information


Shopping online for car insurance has gained tremendous popularity in the last years. Customers who buy coverage through the Internet can save time and money.

You can use a quote comparison website to obtain free auto insurance quotes from several companies and see what they have to offer. Studies have shown that drivers who buy car insurance online save over $500 on their policies.

With so many auto insurance companies out there, your options are now more plentiful than ever before. Use the internet to get free quotes from at least three sources.

Additionally, if you are planning to buy a new car, contact your insurance agent to obtain quotes for the vehicle you are interested in. Similar policies won’t always have similar costs.

Some companies offer the same level of coverage at different premiums.

Do proper research and gather as much information as you can. Look for car insurance discounts and rewards.

Keep in mind that some companies offer lower rates to those who purchase auto insurance through their websites.

Read customer reviews and search for additional details about the insurance providers you are interested in.

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Use Quote Comparison Websites


If you decide to use a quote comparison website, you will have to fill in an application form.

Most websites require customers to provide a few details such as:

  • Age
  • Driving record
  • Credit score
  • Occupation
  • Make and model of the car
  • Type of coverage

As soon as you complete the application form, you will receive a list of companies selling car insurance along with their rates and any discounts or special offers available.

Quote comparison websites allow users to compare hundreds of car insurance quotes from multiple companies. It would be impossible for anyone to compare all of these offers individually.

These websites are free to use, so make sure you take full advantage of the shopping tools provided.

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

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Find the Best Auto Insurance Provider

As soon as you find a few car insurance quotes that suits your needs, gather information about the companies on your list. Choosing the right auto insurance provider can be a real challenge.

  1. Check if the company you have chosen is licensed to operate in your state.
  2. Research the complaint record of the company and check its financial stability. Ratings from A.M. Best and Moody’s Investors Services are available online.
  3. Beware of new companies that have no strong financial base but feature attractive offers and discounts that sound too good to be true. Choose a car insurance provider that is financially stable.
  4. J.D. Power and Associates collect data from policyholders and rate companies according to coverage options, costs, claims handling, and customer service.

Consider Raising Your Deductible

Now that you have found a car insurance policy that meets your requirements, start looking for ways to reduce your expenses.

You can lower the cost paid to the insurance company by increasing the deductible amounts.

Most insurers recommend a deductible of at least $500. By raising your deductible to $1,000, you can save as much as 23 percent on auto insurance.

The higher your deductible is, the lower your rates will be.

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Fix Your Credit Score


Auto insurance carriers vary in the way they set rates for customers who don’t have enough credit history to generate a credit score. Most insurers believe that if you’ve missed a few payments to your credit card company, then you’ll do the same thing to them.

People with a less than perfect credit are more likely to file claims. If you have a bad credit score, you could pay more when getting a car insurance quote.

Studies indicate a strong link between a consumer’s financial history and his future insurance loss potential.

If you believe that your credit score negatively affects your car insurance premiums, switch to a company that doesn’t use the score as a factor. You can, of course, fix your credit score.

Customers who are over 55 years of age are eligible for auto insurance discounts. If you have completed a driver training course, you may qualify for extra savings.

Married couples pay lower rates on car insurance. Keep a record of the discounts offered by the different auto insurance carriers.

Make sure you review the limits of your car insurance policy at least once a year.

Enter your ZIP code and we will help you find affordable car insurance by sending you FREE car insurance quotes to compare.



Free Car Insurance Comparison

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

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