Finding Competitive Rates for Auto Insurance

Find competitive car insurance rates by (1) reading customer reviews, (2) looking at financial ratings, and (3) comparing quotes from multiple companies to save 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: May 14, 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...

  • Speaking with an independent broker is one way to help determine which insurance company is right for you
  • Keep in mind that bundling other types of coverage with large companies is one way to save money
  • You should do your homework to ensure the company you choose to use for insurance is reputable and stable

Car insurance is mandatory in 47 states. Although you might be tempted to grab the first auto insurance rate quoted to you if it sounds reasonable, there are a number of factors you should consider when making purchasing choices.

Any time your car insurance comes up for renewal, it is a smart financial move to evaluate if you are currently paying the best rate possible and if your current auto insurance policy is adequate for your needs.

We can help you find competitive car insurance if you enter your ZIP code into our FREE comparison tool above!

Independent Car Insurance Brokers

Independent insurance brokers usually represent multiple insurance companies. They can provide you with car insurance rate quotes for comparison and they may offer suggestions about the level of insurance you need for the best financial protection possible.

Additionally, independent brokers will help you understand your insurance needs and may recommend ways to lower your insurance rates.

Many independent insurance brokers will review your auto insurance policy when it comes up for renewal to make sure you are paying the lowest rates possible and that your insurance needs are being met.

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Car Insurance Companies

Another source of auto insurance rate quotes is insurance companies themselves. Almost all insurance companies now have corporate websites which provide you with detailed information about products and services they offer.

You may also learn about additional forms of insurance offered that you can bundle together to lower your auto insurance rates. You can request an auto insurance rate quote online or over the telephone.

Car Insurance Comparison Websites

Insurance comparison websites allow you to receive auto insurance rate quotes from multiple insurance companies in one rate request. Insurance comparison sites contract with insurance companies and brokers to provide rate quotes.

You enter your information one time and receive quotes on the website or through email or telephone calls.

Comparison websites may also provide auto insurance company rankings and recommendations.

Additionally, they often also have articles on topics of interest related to insurance concerns.

How to Lower Car Insurance Rates

There may be many places to find auto insurance rate quotes, but there are probably additional ways you can bring your car insurance premiums down and keep them affordable.

As a standard policy, it is a good idea to compare premium quotes from at least three insurance companies before making a purchase decision.

  • Discounts – Discounts can include good driver, good student and senior discounts. Additional discounts are also often offered for safety equipment, such as air bags, traction control and passive seat belts.
  • Bundling – Larger insurance companies generally also offer homeowners, renters and life insurance. Additionally, they may offer insurance for recreational vehicles, motorcycles, boats and off-road vehicles. By bundling insurance policies, most insurance companies will lower rates on all of the policies.
  • Payment Options – Often, car insurance companies will offer lower rates if you pay your full premium or pay more often than monthly. Additionally, if you choose for your payment to be made through automatic payment from your credit card or bank account, you may receive a discount.
  • Deductible RatesHigher deductible levels often result in lower rates. Your deductible is the amount of money you pay out-of-pocket for repairs when you file a claim. If you set aside your deductible in a bank account, you can earn interest on it and make it work for you while saving money on your auto insurance premium rates.

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Doing Your Homework

There is more to choosing an auto insurance company than just getting the best rate possible. When considering car insurance, you should also take other factors into account, including consumer satisfaction levels, consumer complaints, and financial health.

  • Consumer Satisfaction – Consumer satisfaction includes happiness with customer service, claims processing, premium rates and overall perceptions of an auto insurance company. You can find information about consumer satisfaction from JD Power and Associates and Consumer Reports.
  • Consumer Complaints – A large number of complaints may be an indication of high amounts of denied claims, problems paying claims and dramatic increases in premium rates. You can find out about consumer complaints from the Better Business Bureau and your state’s Department of Consumer Affairs website.
  • Financial Health – Auto insurance companies in strong financial health have large financial reserves, excellent business practices and excellent credit. You can research insurance company financial stability and health grades from A.M. Best and Standard and Poor’s.

There are many places to find competitive auto insurance rates.

You should compare rate quotes from at least three companies and consider other factors, including financial health, consumer complaints and customer satisfaction.

Enter your ZIP code in our comparison tool and we will help you find competitive car insurance by sending you FREE car insurance quotes from multiple companies.

Free Car Insurance Comparison

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

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