The Best Value Car Insurance

Finding the best value car insurance is going to be different for everyone, and depends on both the driver and the company. However, there are many discounts that can help you save money.

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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 25, 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...

  • Car insurance rates vary greatly depending on both the driver and the company
  • Being a safe, conscientious driver you can find more affordable rates than other drivers
  • When looking for car insurance you will come across two main choices: locally owned or nationwide companies


Car insurance is a necessity so finding ways to save money on your monthly premium is a good way to stretch your dollar.

To find car insurance rates that are affordable, enter your ZIP code above now!

Find Value Car Insurance Through Driver Discounts

Drivers have a huge impact on car insurance rates. Things like a negative driving record, multiple claims, and being dropped from an insurance carrier due to non-payment cause your insurance rates to rise.

Understand that by being a safe, conscientious driver you can find more valuable rates than other drivers. High-risk drivers pay higher rates.

Part of getting discounts is making sure you are in a position to qualify for the many discounts that car insurance companies offer.

  • Safe driver discount – generally applies to someone who has had no moving violations or accidents within a certain amount of time
  • Defensive driver discounts – take a defensive driving course to learn how to drive in a way that prevents accidents and tickets.
  • Student discounts – high school and sometimes college students who have an A/B average
  • Military discounts – apply to active military personnel and their family members

Free Car Insurance Comparison

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

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Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Find Value Car Insurance Through the Right Insurance Company

You can choose to get your coverage through a large nationwide company or a small local company.

When it comes to local companies, they are friendly, locally owned, and easily accessible. By choosing this type of company you are supporting your local economy as well as building a relationship with an agent.

However, local car insurance companies have rates that are 10 percent higher than large nationwide companies. This is due to the fact that larger companies have more customers and more income so they can offer more discounts to their drivers.

To find value car insurance, large companies are the best way to go.

Large nationwide companies typically also have 24-hour service, easy web access, and multiple ways to contact the company in case of emergency.

One compromise you can make is to go with a large nationwide company that has local offices. However, the best car insurance company for you is going to depend on your needs.

You still have the hometown feel and access to a personal agent while getting the coverage and cheap auto insurance that is possible through a nationwide change.

Find Value Car Insurance Online

The best way to find cheap car insurance is to shop around. Comparing prices and coverage options will always lead you to the best deal and the best value for your money.

As long as you are getting at least the minimum coverage required by law, the choice of companies is up to you. If you aren’t sure what your state requires, any car insurance company can tell you.

Try our online car insurance rates comparison tool by entering your ZIP code below today!

References:

  1. https://www.thegeneral.com/car-insurance/basics/high-risk/
  2. https://www.idrivesafely.com/
  3. https://www.insureuonline.org/consumer_auto_ten_tips.htm
  4. https://www.naic.org/state_web_map.htm

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