Where can I purchase auto insurance?

You can buy car insurance coverage by itself, but you should go with a company that specializes in car insurance. Before you buy car insurance, use our quote comparison tool to find the lowest rates.

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UPDATED: Jun 26, 2020

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Here's what you need to know...

  • While bundling your insurance policies is cost effective, there are times when you only need to buy auto insurance
  • Bundled insurance plans are also known as piggybacked insurance
  • High-risk drivers usually pay more for auto insurance

While there are plenty of people who choose to bundle their auto insurance with homeowners insurance, there are plenty of others who want to buy just auto insurance.

If this sounds like you, there’s no shortage of car insurance companies that can provide you with a suitable policy.

If you decide that you only want to purchase auto insurance, you’re not locked into that decision forever. You may find at a later date that it’s advantageous for you to bundle all of your insurance needs together.

Enter your zip code right now and be on your way to finding the best auto insurance prices in your area!

How expensive is auto coverage compared to bundled insurance policies?

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When drivers just apply for car insurance quotes, they are usually given a set rate according to the information that they have submitted. Bundled insurance quotes might give consumers access to a breakdown of their expenses, including the amount of money that they are saving by combining policies.

In almost all cases, bundled insurance policies are more expensive than coverage for just auto insurance. This is because a minimum of two policies are being issued compared to one.

Although bundled insurance products are more expensive than just car insurance, consumers usually save. Consider the amount of money that you would pay for two separate insurance policies.

Since bundled insurance (also known as piggybacking insurance) gives consumers a discount just for buying coverage from the same insurance company, the result is more money saved. If you don’t have a need for bundled insurance, you should purchase car insurance alone.

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Enter your zip code below to view companies that have cheap auto insurance rates.

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What kinds of companies offer just auto insurance?

Believe it or not, almost every national and regional car insurance provider will be more than happy to sell you an individual auto policy.

In fact, such standalone policies are the most common type found in the auto insurance business. While almost all companies offer cheaper rates for bundling your insurance products together, some customers can find cheaper rates through individual policies.

When searching for a standalone auto policy, you do need to be careful of companies for whom car insurance is a side business.

For example, there is a regional insurance company in Texas which provides insurance primarily for farmers and cattle ranchers. While they do offer Texas car insurance policies, this is not their area of expertise.

It would be a wise idea to check them out thoroughly, as well as the auto policies they provide, before deciding to go with them.

Do companies that sell just auto insurance offer better rates?

Some consumers believe that working with a company that only sells car insurance policies will help them to save more money. If you want to obtain information about a particular insurance provider’s reputation, you can visit the Better Business Bureau website.

Although it makes sense to think that a company that only specializes in car insurance might offer lower premiums, this is simply not true.

You can get a car insurance quote from a car insurance company that sells other insurance products and receive a low rate just the same as you would from an insurance provider that only sells auto insurance policies.

Keep your options open and get multiple rates from different types of car insurance providers to get the best quotes.

As long as you purchase the amount of coverage that you need at the price that you want, it makes no difference from which company you purchase your policy.

As long as you purchase the amount of coverage that you need at the price that you want, it makes no difference from which company you purchase your policy.

Can I get just auto insurance if my driving record isn’t so great?

Unfortunately, not everyone has a perfect driving record. Most of us receive at least one or two tickets in our lifetimes as well as making several car insurance claims.

If your driving record is exceptionally poor that’s not a good thing, but it also doesn’t mean you won’t be able to buy auto insurance.

There are car insurance companies out there who specialize in providing what’s called “non-standard” insurance catering specifically to high-risk drivers with poor histories.

While you still can get car insurance with a poor driving record, you do need to be aware that your rates will be higher than most other drivers.

Unfortunately, it’s all part of the game. As a driver with a poor history, you represent a higher risk to the insurance company, and the company is not willing to invest a lot of money in expensive customer service or high-value policies.

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Can I still buy just auto insurance if I’m dropped by another company?

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Being dropped by your insurance carrier is a serious issue that could affect your ability to buy car insurance later on. From the standpoint of any potential new insurance provider, the main question to be answered is why your previous carrier dropped you.

If it’s a matter of something like a DWI/DUI or a leaving the scene of an accident conviction, you may have a tough time finding a company willing to write policy.

There are other factors involved in being dropped from your insurance company, such as excessive accident claims, multiple speeding tickets, etc.

The only way to know how these things will affect your ability to buy insurance in the future is to call around and ask questions.

Can I buy just auto insurance from any insurance provider?

To purchase auto coverage, you need to seek out an insurer that offers this type of insurance product. Since you will not be able to purchase coverage until you receive and agree to pay the rates that the insurance company charges, it is best to look for companies that offer quotes.

You can elect to get a car insurance quote online, in person with an insurance agent, or over the phone. Even though you don’t have to purchase anything other than the state minimum amount of auto coverage, you should still learn about the other types of insurance products sold by your car insurance provider so that you have the opportunity to save.

If you’re interested in just auto insurance alone, enter your zip code below to see online car insurance quotes by America’s best providers!

References:

  1. https://www.nationwide.com/multiple-policy-discount.jsp
  2. http://www.rmiia.org/auto/steering_through_your_auto_policy/Auto_Insurance_Basics.asp
  3. https://www.irmi.com/online/insurance-glossary/terms/s/stand-alone-excess-policy.aspx
  4. http://www.bbb.org
  5. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  6. http://www.investopedia.com/ask/answers/091815/can-your-car-insurance-company-check-your-driving-record.asp
  7. http://www.iii.org/article/what-if-i-cant-find-auto-coverage
  8. https://www.verywell.com/dui-vs-dwi-what-is-the-difference-67214

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