Instant Quotes for Cheap Car Insurance

Getting cheap car insurance quotes is as easy as (1) entering your ZIP code, (2) inputting your info, (3) receiving quotes, and (4) choosing a provider.

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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: Jul 22, 2021

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...

  • Every licensed motorist driving their car on the public roads needs sufficient car insurance.
  • The fastest way to get instant cheap car insurance quotes is to get an online quote.
  • Insurance companies provide basic quotes online to drivers to help them meet their insurance needs.

Get FREE car insurance quotes today when you enter your ZIP code!

Online Quotes Are Customized

Since every driver has a unique situation—a different car, different geographical area, and different driving history—the quotes are customized to suit them using software automation.

Usually, all that is needed to start the process to search and compare car insurance quotes is typing in some personal information into an online form.

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Valid Quotes Depend On Consistent Information

The quote system is valid only if the insurance buyer submits the same information into every online form used.

By changing even one element of personal information, it changes the annual premium.

The insurance buyer should use written notes to ensure the same information is submitted to the various insurance companies.

The Cheapest Insurance May Provide Insufficient Coverage

Minimal coverage only meets the state’s insurance requirements; it may not sufficiently protect the buyer in the event of an accident.

The cheapest policy is one that merely asks for liability insurance.

However, if the insurance buyer wants to get more coverage, they will have to pay more for liability, collision, and comprehensive insurance.

In order to get valid quotes, the insurance buyer has to request the same type of coverage when filling out an online form.

Specialty Coverage

Besides requiring liability insurance or liability, collision, and comprehensive insurance, the buyer may also need specialty coverage. This will naturally raise the price of the annual premiums.

Specialty coverage may or may not be necessary for the buyer.

If the buyer travels frequently from one city to another, it will be useful to have traveler’s insurance, a specialty coverage that provides the following:

  • Roadside assistance
  • Car repair
  • Reimbursement for various expenses

Alternatively, if the buyer merely commutes to the same city job on a daily basis, this type of specialty coverage, while occasionally useful, is probably not worth paying a higher premium to secure.

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Deciding on whether to get high or low deductibles will determine the cost of the annual premium.

The higher the deductible, the lower the premium will be.

This may save money in the short run, provided the buyer saves up the money for the deductible should they need to make a claim after a collision.

What are some online application wizards to avoid?

In order to get a fast, accurate, and valid quotation, the buyer should use online forms that quickly and easily give them the information that they need.

Unfortunately, not all online forms are user-friendly, and here are 4 characteristics that identify these types of forms.

  • Redirect Screens – After putting in the information necessary to get a quote, the buyer is redirected to an advertising website that has nothing to do with the quote. The buyer thinks the quote is not being calculated and clicks away before the information can be processed and returned to him or her.
  • Unnecessary Redundancy – The buyer is forced to repeat the information entered after trying to make minor changes to the information submitted.
  • Poor Quality Quotes – The information that is returned is not well-organized, making it difficult to read and understand. This can be due to poor formatting or the use of technical insurance jargon.
  • Biased Quotes – The quote screen should not manipulate policies to favor a certain class of insurance buyers, hoping to upsell them.

When encountering online forms that are not user-friendly, the insurance buyer should simply look for a website where the automation is set up to provide useful information.

3 Steps To Take For Better Decisions

You should not base your buying decision on price alone. While cheap insurance is desirable, it should not be at the expense of inadequate coverage.

Here are three things to consider when deciding on whether or not you are getting the best insurance for the money you are paying:

  • If the price is too good to be true, it may very well be a scam. By checking on the A.M. Best website, a buyer can research the standing of the insurance company making the offer.
  • The lowest quote may not necessarily reflect high value. Check to see if you are getting the same amount of coverage or if the company has financial stability and an established reputation.
  • Avoid haste. While it is necessary for the buyer to get insurance fast, he or she should consider all aspects of the insurance purchased and evaluate all aspects of the policy about to be purchased.

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Final Evaluation Before Buying Car Insurance

Although it is possible to get instant cheap car insurance quotes, an insurance policy is a complex product because there are many factors to consider before buying one.

For instance, ask yourself questions like:

  • Did I enter the same online information into each form to get a valid quote?
  • Did I get the coverage I needed for the price that I will pay for the annual premium?
  • Do I need the specialty insurance offered by the insurance company or is it something that I will hardly ever use?
  • If I get a lower premium by opting for a higher deductible, will I have the money available to make a claim should the need ever arise?
  • Is the online form giving me fast, accurate, and actionable information or should I do my search on a website that has better automation for car insurance quotes?
  • Do I have all the information that I need to make a good decision?

Enter your ZIP code below to receive instant and cheap car insurance quotes for FREE!

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption