How can I get the best deal on car insurance?

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Joel Ohman
Founder, CFP®

UPDATED: Mar 3, 2020

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It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...

  • Getting the best deal on car insurance is easy
  • Just compare prices between multiple companies in your area
  • Comparison shopping shows who has the lowest price
  • Once you find rates, you can choose the best company as your provider

There are other things that you might want to look at before you select your car insurance company. If you are like many people today that are struggling financially, then some of the other factors other than price may not matter to you.

Regardless of your financial situation, you should know what to look for to ensure that you don’t end up buying your auto insurance from a company that is ready to go out of business.

If you use our quote tool, we guarantee you will be comparing insurance quotes between reputable companies!

Enter your ZIP code above and look at FREE car insurance quotes right now!

Is price the most important factor to consider?

For many of you, price will be your number one consideration; however, this won’t be true of everyone.

There are a number of other things that you will want to consider, such as:

  • Company reputation – How do other customers feel about the company’s customer service, agents, etc.? If a company is inexpensive, but you can’t help when you need it, then perhaps you should consider a different company.
  • Company age – If a company is well-established, the age reveals that this is a company that will probably stick around. A company that is young may not be the right choice since there is no guarantee it will be around for a long time.
  • Company financial rating – The financial rating establishes the company’s ability to pay bills, maintain growth, and pay off claims. Companies like A.M. Best, Moody’s, Standard and Poor’s and Fitch are all financial rating companies.
  • What’s included in the policy – You can get the lowest rates and later learn that you don’t have enough coverage. Also you might find your policy doesn’t cover rental cars. You may need more than the state’s minimum coverage.
  • How fast the company handled claims  – Sometimes a company with low rates is very slow in paying claims. And sometimes it short changes you when it comes to claims. Check online to see how claims are dealt with.
  • How often the company has been sued – Some companies have to be sued before they are willing to pay claims, even if they have a good rating and a strong financial outlook. Find out this information online via a courthouse website.

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Can I change car insurance companies if I have second thoughts?

happy african corporate worker in office with colleagues on background

Absolutely! You can change companies at any time. You do need to use caution, however.

Car insurance companies will actually increase rates for people who are prone to change insurance companies frequently.

It is for this reason that you should take care to review an insurance company before you make your decision about which one to choose.

With the Internet, there is no reason not to take a few minutes to explore your alternatives.

How hard is it to change from one car insurance company to another?

Businessman or salesman handing over a contract attached to a clipboard for signature.

Actually, the process is quite easy. Most car insurance companies will help you to cancel a previous policy but you don’t really need their help. You can cancel an insurance policy on the phone or, in many cases, online.

In most cases, you will have to answer a couple of questions as to why you are canceling your policy.

In addition, there are a few companies that charge a fee for canceling, but this is the exception rather than the rule.

Overall, it should only take a couple of minutes to get this done. Just remember, don’t cancel your old policy before you have a new policy in place.

Why don’t you take a moment right now to compare car insurance quotes? All you have to do is enter your ZIP code in the FREE box below!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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