Knowing Where to Look for Car Insurance Companies

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Here's what you need to know...
  • A comparison search is a great way to start narrowing down your list of potential insurers
  • An insurance agency can help you find a company that works for you
  • There are many niche market insurers, and you can probably find one just right for your needs


Finding a great car insurance company is actually not that difficult at all. You really just need to keep a few things in mind while you shop around and all of the pieces should fall into place.

Start your search right here by entering your zip code into our free comparison tool above.

Use an Insurance Agency to Narrow Down the Search

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Here’s the first step to making the whole process go by much more quickly and easily: use an insurance agency. An insurance agent or an underwriter can help you to seriously cut down on the amount of time you spend shopping around.

You don’t have to call a dozen different places and ask them for quotes, the insurance agency does that for you, comparing hundreds of quotes online or over the phone in a matter of seconds.

Ask About Discounts

Ask about discounts before making a purchase. They won’t always tell you about every discount you qualify for.

You never know when you might get a discount for:

  • Having great grades in school
  • Keeping a full-time job
  • Having a clean driving record
  • Having passed a defensive driving course

You never know what you’re going to get a discount for until you ask, so never hesitate to ask, “Is there a discount for that?”

You may be surprised at what sort of discounts are available.

For instance, some insurers offer discounts to teens who have taken driving courses to ensure that they remain safe on the road while others offer discounts to anybody who can go three years without incident, so sometimes it’s an investment into discounts to come.

Consider Full Coverage vs. Minimum Coverage

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If you have a new car, your lender requires that you get full coverage for the time being. There are a lot of things included in a full coverage car insurance policy.

If full coverage is optional for you, you may want to consider where you fall on the spectrum of minimum coverage and full coverage.

If you drive out in the country where you’re probably never going to get into an accident, minimum coverage is usually fine. Otherwise, you probably fall somewhere in the middle.

Full coverage generally covers a lot of things you’ll never need to worry about, but you’re not always saving in the long run with minimum coverage.

If you get in an accident and your insurance policy doesn’t cover it, the money you saved with minimum coverage probably won’t cover it either.

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Know Your Niche

If you want to get great, cheap, specialized insurance then you want to look for insurance in your specific niche.

It’s important to understand how car insurance companies use credit scores to rate car insurance.

If you have poor credit or great credit, if you drive a customized muscle car or a motorcycle or a boat or a hybrid, chances are there are niche insurers out there who specialize in covering exactly what you’re looking for.

Chances are you fall into a specific niche based on:

  • Your vehicle if it’s anything outside of a modest town car
  • If you have a disability
  • If you have special training
  • iI you have low income or if you have high income

Whatever makes you and your car unique, there’s probably a niche insurance company specializes exclusively in covering drivers like you.

Ask Friends for Recommendations

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You never know when your friend has an inside scoop on a great insurance provider or an awesome underwriter who can hook you up with some great deals. You might even get a discount for being referred by a friend.

It’s worth asking around even if this method doesn’t always yield results.

Get Covered On a Family Policy

Your parents have been driving for years, and if you get covered under their policy, if their policy allows that sort of thing, then you may be able to get great discounts for their years of experience and safe driving.

Not all insurance companies allow this sort of thing, but the ones that do can offer some astounding discounted rates to people who get covered under the policy of a parent, a brother, an uncle, or even a distant cousin.

Even if you’re an adult, even if you’ve been living on your own for thirty years, if your parents are still driving you just might be able to get covered on their policy for a fraction of what you’d be paying on your own.

Keep Shopping Around

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Just because you have your car insurance policy in hand doesn’t mean you can’t keep shopping around. You never know when somebody else can offer you a better deal, so as a rule of thumb, always be willing to switch horses in the middle of the race.

In any event, you want to always be on the lookout for cheaper and better insurance. You never know when somebody is going to have a better deal than the one you’re getting. Comparison shopping isn’t just a one-time thing but ongoing.

Look, they keep charging you every month, so why not keep reconsidering and renegotiating the deal.

Simply enter your ZIP code into the FREE tool below to start your search for car insurance today!

FREE Car Insurance Comparison

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