Finding Cheap Car Insurance

Finding cheap car insurance is easy to do through research and comparing different options. However, while price is important, you should make sure you factor in customer service as well.

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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 23, 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.

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Here's what you need to know...

  • The easist way to find a deal on car insurance is to do an internet search
  • Compare several coverage options from a few different insurance providers
  • Don’t buy a policy based on price alone; make sure you factor in customer service, too

Car insurance is required by law in all 50 states. Since insurance is required for all drivers, there is a limit on how low insurance prices can go. But that doesn’t mean all insurance must be overly expensive.

The information age has changed the way we shop for car insurance. Deals can still be found on the phone, but with a computer and Internet access, the search for the best insurance prices is much easier.

You can begin your search for the best car insurance quotes by entering your ZIP code into our FREE search tool!

Where do I start to look for car insurance deals?


How can I find cheap car insurance? The most logical place to begin your search is to look for car insurance companies you’ve seen advertised on television. Not that you’re automatically going to use one of these companies, but you need a baseline price to begin your search for car insurance.

Usually, websites of well-known insurance providers like Geico, State Farm, or Progressive offer free online quotes. You enter your zip code, press a button, and the quote system begins.

The site will ask for personal information such as your name, address, and birth date. This information is used to check your driving record.

A faster way is to use a third party car insurance tool like the one provided on this page which saves you from having to visit each individual website. Quote tools also ensure that you are comparing the same criteria when you have those offers laid out side by side.

Finishing the questionnaire and clicking the last button calculates your quote. If they have any good car insurance deals to offer you, you’ll probably know within 10 to 20 minutes.

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

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How can I find deals on low-cost insurance?

With one or two quotes in hand, try doing an internet search for insurance rate comparison websites.

Visit three or four websites and complete their online quote forms just like you did before. When you finish this second step, you should have five or six quotes to look at.

If you compare them side by side, you should notice some very specific trends.

For instance, there will be a minimum liability required by your state, and your quotes should all be in the same ball park for this portion. Car insurance deals ride purely on optional coverage like full collision, full glass, theft, and disability.

Rates are also reduced in most states by alarm systems, garage parking, and various safety features on the car.

These small details should allow you to see major differences in your quotes.

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

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How should I finally choose an insurance provider?

One final step in making sure you haven’t missed any auto insurance deals is to call one or two local insurance agencies.

Believe it or not, sometimes a local agent who represents a handful of more obscure insurance providers will be able to find you a better price.

There are plenty of smaller insurance companies who specialize in bundled packages at a better rate than you would pay for separate policies.

With all your quotes in hand, you’ll be able to do a cost and benefit comparison and make a choice. You may be surprised by who gives you the best deal.

But one final word of caution: the best car insurance deals are not always based on price alone. Sometimes service is a big factor. So if you settle on a company whose service turns out to be unacceptable, you may have to try again.

Enter your ZIP code right now and start searching online car insurance quotes in your area!

Free Car Insurance Comparison

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

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