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 27, 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 insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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...

  • Using a comparison tool to find the cheapest car insurance will produce instant results
  • Three factors help determine your insurance quote: your demographic, your location, and the car(s) you drive
  • Before choosing an insurance company, carefully consider their rating, their policy details, and any features they offer
  • Identify all features and conditions that may make you eligible for discounts

There is no single auto insurance company that can claim they offer the cheapest car insurance. A company that may serve one person well may be too costly for the next. The factors that go into the price of a given policy aren’t determined only by the company and the market, but also by the insured’s individual circumstances.

Enter your zip above to start comparing car insurance quotes now!

How do I find the cheapest car insurance for me?

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While there is no simple, straightforward answer to any blanket questions about the cheapest car insurance, there is a simple process that can lead to the cheapest car insurance for YOU.

By using a free, online quote comparison tool, you can put in your information and come out with free car insurance quotes from well-respected companies.

Using a comparison tool to find the cheapest car insurance will produce instant results, saving you not only a lot of money, but also a significant amount of time.

Back when repeated telephone calls or visits from overbearing salespeople were the only ways to secure insurance quotes, you had to answer the same questions over and over while being subjected to aggressive sales pitches.

Now, with the technology available, you can instantly get multiple quotes just by typing in your information one time from the comfort of your home.

Free Car Insurance Comparison

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

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Do I have to do math?

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When it comes to determining your quote, know that most auto insurance providers emphasize three factors: your demographic, your location, and the car(s) you drive.

However, the exact value a company applies to any of these components will vary, so it is up to you to find the insurance company with the mathematical formula that equals the most savings for you. But don’t worry — the online tools provided by various sites will perform the calculations, so you just need to compare your choices.

How do I choose?

While price is the most obvious consideration, in no other area is the adage “you get what you pay for” more relevant than in car insurance. If you choose a policy based on price alone, you may find that you don’t have all the coverage you need in the event of an accident.

It is important to consider all the factors — from the insurance company’s rating, to the details of the policy, to any features offered. Also, consider your needs when it comes to deductibles and the extent of coverage.

A higher deductible means lower premiums. Dropping certain coverages (e.g., comprehensive or collision) may be an option if you are the owner of an older car that is not worth — or is barely worth — the amount you’d be spending to insure it.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What kind of information will I be asked to provide?

When comparing quotes for your cheapest car insurance policy, you will need several key pieces of information on hand.

Various quote tools may ask for any combination of the following: name; address; age; gender; year, make, and model of your vehicle(s); Vehicle Identification Number (VIN); and the company through which you lease or finance your car.

Be careful when providing any personal, identifying information online.

If there’s any doubt as to the security of a website or the legitimacy of a company, it is wise to err on the side of caution by keeping your information to yourself.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

How can I find discounts?

When utilizing the quote comparison tool to find the cheapest car insurance, be sure to identify all features and conditions that may make you eligible for discounts.

Does your car have anti-theft devices or anti-lock brakes? Does it have window etching? Are you insuring more than one vehicle? Will you be paying via Electronic Funds Transfer (EFT), which allows you to direct payments right from your bank account to your car insurance company?

If the answer to any of these questions is “yes,” then you are likely to see some discounts coming your way.

If I do all of this, am I sure to get the cheapest car insurance?

In an era when many people find their spouses, homes, and cars online, it’s logical to think that the Internet just might be a good place to find the cheapest car insurance, too.

By carefully comparing a host of different insurance companies in an organized, apples-to-apples way, you will find a solid car insurance policy that gives you the protection you need for the least amount of money.

You don’t have to go far. Use our FREE online comparison tool to compare car insurance quotes now!

References:

  1. https://www.progressive.com/auto/cheap-car-insurance/
  2. http://www.ambest.com/home/default.aspx
  3. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  4. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance