How do I find cheap full coverage auto insurance?

To find cheap full coverage car insurance, make sure you compare policies with the same duration, deductible, and coverage. The average cheap full coverage car insurance rates are $200/mo.

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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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Here's what you need to know...

  • Compare prices, but make sure you’re comparing identical options
  • Research companies that you are considering to make sure they’re financially stable and have a good reputation
  • Look for discounts that apply to your situation
  • The average full coverage car insurance rates are $200/mo or $2,390/yr

Finding the cheapest full coverage car insurance rates is something that many car owners are looking for, especially in today’s economy. Thankfully, there are guides like this one to help find the best rates for full coverage, as well as for comprehensive auto insurance.

Now, more than ever, it is important to shop around and compare the options available to you in order to get the best deal possible on your full coverage car insurance. However, as you do that, you need to remember some very important things.

Read on to learn all about finding the best full coverage auto insurance rates online and then be sure to enter your ZIP to start comparing cheap car insurance quotes from many different car insurance companies online!

Compare Apples to Apples

When you are looking for cheap full coverage car insurance rates, you will need to compare as many car insurance quotes as possible. In order to do so in a time-effective manner, you should consider using an online quote tool to get the quotes you need.

These free tools allow you to get multiple quotes at the same time, to make comparison shopping for car insurance quick and easy.

When you sit down to compare the quotes you’ve received, watch out for a few things, so that you can be sure you are truly comparing apples to apples:

  • Duration – Make sure that all quotes are for the same duration. You don’t want to confuse a six-month quote for a one-year policy.
  • Limits/Deductibles – Ensure that you are being quoted on the same limits and deductibles. A change in even one of these can significantly impact the rate you are being charged.
  • Coverage – Check to see if there are differences in the types of coverage options that are being offered. Many of the insurers may be offering full coverage with uninsured motorist coverage, medical payments, rental car coverage and towing while others may be quoting on only liability, collision and comprehensive.

If you find that one company is significantly lower than all the others, be skeptical and check it out very carefully. Some difference between the rates insurers provide is normal, but one company being much lower than everyone else is not.

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Do Your Homework on the Company

Insurance Review of Arrowood

When you have compared quotes based on price, the next thing you must do is to check out any company you are considering using for your car insurance coverage.

Find out their insurance rating from any one of the independent insurance rating companies like:

These companies give ratings to insurers worldwide based on economic stability.

You do not want to take out a policy with a company that has a poor rating because if you need them to pay a claim in a few months, they may not be able to.

Another thing to check out about any insurer you are considering doing business is how well they treat their customers. You can do so by accessing the insurer’s complaints record with your state department of insurance.

Most departments keep a record of complaints filed against insurers licensed to do business in the state. You can also find such information by doing an internet search.

Simply input the name of the insurer and the word complaints in a search engine like Google and you are sure to find results. This should help you decide whether or not to use a particular company.

Just bear in mind that it will be impossible to find a company with no complaints at all against it.

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Know How to Keep Your Auto Insurance Rates Low

In your quest for cheap full coverage car insurance rates, it is important for you to know how to keep your rates as low as possible.

One of the best ways to do this is to understand the impact of your deductibles on your rates. The higher you can afford to raise your deductibles, the lower your rates will go. One caution: be sure the deductible is an amount you can afford to cover out of pocket at a moment’s notice.

You should check into the types of discounts that are offered by different insurers. Always ask if you have all the discounts available.

Some of the common discounts are for:

  • low annual mileage
  • having more than one type of policy with the same company
  • good driving records
  • completion of driver training courses

However, there are also other less common discounts that are offered by different companies. Therefore, you need to inquire.

Enter your ZIP below to get started with FREE car insurance quotes!

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

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