Finding the Best Auto Insurance Companies in Your City

Finding the best insurance companies in your city can be done by checking your state's insurance commissioner's site to see complaints filed against insurance companies.

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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: Jan 22, 2021

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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...

  • An independent agent may be able to steer you in the right direction for you car insurance needs
  • Remember to look for discounts when searching for car insurance in your city
  • What comparison site is the best for car insurance? You can check your state’s insurance commissioner’s site to see complaints filed against insurance companies

This question is one of the most common questions people ask when shopping for insurance coverage. A local listing is going to be the simplest resource you can find. If you have Internet or mobile access, the answer is just a click away.

You can get free online car insurance quotes any time of day simply by entering your ZIP code above!

The best companies that offer car insurance are not hiding from you. They want you to know they are in the marketplace, and their advertisements are confirmation.

There are some good companies that decided to save on commercial marketing by relying on word of mouth, or personal, marketing. They may advertise online and their website is their best form of advertisement.

This may be a company that has decided to pass the savings onto its customers by way of discounts and low rates. This may be a company worth further investigation.

Where do I find the best car insurance companies in my city?


The best car insurance company may be right around the corner from you. A good insurance agent may be the best connection between you and a good policy.

Independent agents have the license to act as brokers between you and several insurance companies, including the major insurance providers.

By building a business relationship with your neighborhood agent, you may be able to rest assured that person can handle any of your present and future insurance needs.

There are some direct car insurance companies in your neighborhood and online, however, that can fill the same role. An online search may bring up several options.

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What should I look for in an insurance agent?


A good insurance agent is going to determine your personal or business insurance needs. If you have a family, they are going to take this into consideration when making recommendations.

If you have speeding tickets or a sketchy credit history, they are going to make recommendations based on these facts.

If your business is just starting out as a home-based transportation business, your agent is going to recommend a company that can offer general liability and fleet discounts.

They are going to recommend a company that can assign a representative knowledgeable about your business, who can help your business grow in the desired direction.

How do I choose the best car insurance company?

You should have a good feeling about your insurance company although it may hurt to make that payment. A good policy is going to make you feel secure about your choice regardless of how much you have to pay.

The objective is to pick the one that gives you a sense of security at an affordable rate.

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How do I find the best car insurance companies with the best discounts?

The money you save on the best car insurance is probably going to be in the form of discounts. Car insurance companies seek to market themselves and compete by their discounts and program promotions, such as accident forgiveness, for instance.

If your car insurance selections include a decreasing deductible, you may be onto a good deal.

Some of the other more common discounts that the best car insurance companies offer are:

  • Good driver
  • Good student
  • Anti-theft features
  • Safety features
  • Professional

If you pay your premiums in advance, you may be able to save money from the start. You can even save on the astronomical cost of having a teenage driver with a good student discount.

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How do I know when a car insurance company is running a scam?


If you decide to go with an online car insurance company, it is a good idea to check them out with the insurance commission in your state. This check can be performed online or by phone.

Remember: Each insurance company is required to carry a license for every state in which they offer coverage.

Past customers write reviews about their experiences all the time and, if a company is not offering ethical service, someone will make it public. If a company has an excess number of public cases posted online, chances are they are not operating on the best ethical standards.

If you happen to be among the first to experience or recognize a scam, you can register a complaint with the insurance commission in your state.

You can find information on the insurance commissioners in your state at the National Association of Insurance Commissioner’s website.

How do I find the best online car insurance companies in my city?

Online car insurance companies are all over the Internet. If you narrow your search to include online companies only in your state, more than likely they can write a policy for your city.

It is important to remember that, with an online insurance company, most of your communication and transactions are performed online.

Compare online car insurance rates now by simply entering your ZIP code here to get started.

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

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Average Monthly Car Insurance Rates by State