How to Purchase the Right Car Insurance Quote Online

To find the right car insurance you need to determine how much coverage you need. The state you live in will have minimum liability insurance requirements, but you may be interested in a comprehensive car insurance policy. More car insurance coverage means a more expensive policy, but you can start comparing car insurance quotes online for free with our tool below in order to choose the right car insurance plan.

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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: Aug 15, 2020

Advertiser Disclosure

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 is required almost everywhere in the United States
  • The state-required minimum insurance is not sufficient to fully protect you
  • Research any insurance company you might consider choosing
  • You can compare rates online and save up to $859 a year


To purchase car insurance you need patience and persistence. Doubtfully anyone’s favorite subject, car insurance is just one of those hassles in life.

In fact, all 50 states have minimum car insurance requirements that address driver liability for bodily injury and for property damage.

These requirements mean that every driver has to deal with the headache of shopping for car insurance.

More and more people are turning to the Internet to compare insurance companies’ rates and to purchase car insurance.

Compare car insurance quotes with your zip code and the free rates tool now!

Internet Impacts How Drivers Purchase Car Insurance

The ease and availability of the Internet have put tremendous pressure on insurance companies to offer competitive deals.

They know that with just a few clicks of your mouse you can compare their rates, services, and reputations.

The savvy consumer knows that the price of insurance is based on statistics and varies widely. Factors include:

  • Your age
  • Your gender
  • Your driving record
  • The neighborhood where your car is usually parked in at night
  • The make of your car
  • The model of your car
  • Any safety features installed on your car
  • Any antitheft devices installed on your car

In keeping their prices competitive, some insurers offer discounts for things like having a good driving record, taking a driver’s safety course, being a good student, or having more than one insurance policy with them.

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

How much car insurance do you need?

The insurance standards set out by your state are only minimums that might not give you complete coverage.

Generally, adequate bodily injury liability limits are $100,000 per person and $300,000 per accident, plus $100,000 for property damage.

Of course, you can always supplement your policy with other protections such as rental reimbursement coverage, roadside assistance coverage, comprehensive coverage, and collision coverage.

Deductibles vary as well, although they usually range from $250 to $1,000.

When comparing quotes from insurance companies, be sure not to focus on the actual dollar amount of the premium. The cheapest quote does not mean that you will get the best value.

Instead, compare what the rate actually covers and what it does not cover.

In many cases, the coverage quoted is not uniform but varies widely from insurer to insurer.

You don’t want to find out too late that the rate you thought was a bargain was for less or different coverage than you thought you were buying.

Research Many Companies Before You Purchase Car Insurance

In your search for the best auto insurance coverage, the insurance companies know that you are trying to find the cheapest rate from the most reliable company.

Although your primary motivation may be to save money, it is also important to confirm that the insurance company offering the least expensive rate is dependable.

You want to be sure that you can count on your insurer to handle any claims professionally and efficiently.

You can check with your state’s department of insurance to compare premiums as well as read consumer complaints.

Consumer reviews of car insurance companies can also be found through the Better Business Bureau, Consumer Reports, and J.D. Power and Associates.

Asking family, friends, co-workers, and mechanics about their experiences can further help you choose among car insurance companies.

Getting online car insurance quotes requires nothing more than your zip code. Once you are ready to purchase car insurance, you will need more information such as:

  • Your driver’s license number
  • Your date of birth
  • The vehicle identification number (VIN) of your car (found on your vehicle registration card or window sticker)
  • The license plate of your car
  • Other information as required by your state

Some states require your social security number as well as the names and birthdates of all the members of your household. These people have to be specifically included or excluded from the insurance policy.

The quickest and easiest way to get car insurance quote comparisons and to purchase car insurance is to enter your digit zip code. Compare several car insurance quotes with just a zip code today!

Free Car Insurance Comparison

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