Low Rate Car Insurance Quotes

Low rate care insurance quotes are based on your age, your driving record, and the age of the vehicle you drive. It can be difficult to find low rate car insurance coverage for high-risk drivers. The best way to find a low rate car insurance policy is to comparison shop online. Enter your ZIP code below to find low rate car insurance near you.

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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: Jan 22, 2021

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...

  • The rate one pays each month is based on the policyholder’s driving record and the vehicle
  • A great resource to use is the number of comparison websites available
  • Insurance providers often have deals and promotions that pop up a few times a year

Car insurance is an important investment so that people can protect their cars and avoid lawsuits. Repairs, replacement, lawsuits, and even missed work or car rentals can cost quite a bit. The right car insurance coverage protects people if they need to pay for such expenses.

The rates one pays each month are based on the policyholder’s driving record and the vehicle. Thankfully, there are ways to secure low rates or quotes on such policies. The following are some tips for finding affordable car insurance quotes.

Enter your zip code in our car insurance comparison tool to compare low rate car insurance quotes for free!

Car Insurance Comparison Websites


A great resource to use is the number of comparison websites available. Here, a web user can input some basic information about the following:

  • make and model of the vehicle
  • driving habits
  • the desired deductible

In a matter of moments, the website will search and find quotes from a variety of insurance companies.

This is a great chance to compare quotes side by side to see what is included in a plan. It is important to use more than one of these websites because some have deals with specific providers.

Conducting a few searches means that people will find accurate quotes from many different companies.

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

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Providers’ Websites

Another way to obtain cheap car insurance is to visit companies’ websites. Often, such websites have online forms people can fill out for more information about different policies and quotes.

Additionally, this is a chance to read up on the many discounts the provider may offer people.

Today, there are discounts for many things.

For example, there are discounts for drivers who have never been in an accident or have taken and passed defensive driving classes.

Such discounts are in place because it means drivers are less likely to end up in an accident, which means the company is less likely to pay out money for repairs.

Other common discounts include owning cars with safety features like daytime running lights and belonging to affiliated professional organizations.

Free Car Insurance Comparison

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

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Call Companies

Talking to real live representatives is a smart way to obtain lower-than-normal rates. Such staff members want their company to reel in new customers. Thus, they may be able to pull some strings that could help lower rates.

After researching different plans and companies, it is time to call and negotiate with insurance representatives.

The biggest mistake a person could make is forgetting that he or she is the customer. A company might offer a lower rate for a certain amount of time if it means luring in a new client.

Talk to Family Members


Low rates and promotions also happen when current policyholders refer friends and family members or when people are added to existing policies. This again happens because the providers want new customers and because it shows customer loyalty.

This is why it is smart to talk to loved ones and see which insurance providers they work with.

If the company is one that piques a person’s interest, it may be time to see if there are referral options or if the family member is interested in adding another driver or car to the policy. This addition could save people hundreds of dollars.

Free Car Insurance Comparison

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

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Current Providers

If a person already has health or life insurance, then it is possible to sign up for a car insurance policy with the same company. No business wants clients to go elsewhere for services. The same goes for the insurance industry.

This is why people should talk to current providers and see if they have car insurance options, how much they cost, and if there is a discount for people who already have policies with the group. This is a great way to secure lower-than-normal rates.

Promotions and Deals


Insurance providers often have deals and promotions that pop up a few times a year. It is important to sign up for mailing lists and to do research about the timing of such deals. This is a chance to find car insurance rates for far lower than the normal rate.

Often, these businesses will advertise the promotions online and at their offices. Reading the local newspaper, reading blogs dedicated to insurance and saving money, and visiting providers’ websites will help people find low rate car insurance quotes.

These are just a few of the smart ways to find cheap car insurance.

Car insurance policies do not have to be incredibly expensive.

Instead, if people are smart and do their research, they can certainly find some incredible deals. It is important to see what is out there and to explore all discount and promotion options. Why pay more if a person doesn’t have to?

Enter your zip code below and you will receive multiple low rate car insurance quote for free!


  1. https://www.iwillteachyoutoberich.com/blog/tip-13-negotiate-your-car-insurance/
  2. https://autoclubsouth.aaa.com/Membership/friends.aspx
  3. https://humanevents.com/2012/07/06/car-insurance-vs-health-insurance/
  4. https://www.thesimpledollar.com/cheap-car-insurance/
  5. https://www.edmunds.com/auto-insurance/how-to-get-affordable-car-insurance.html
  6. https://money.msn.com/auto-insurance/cheap-car-insurance-the-smart-way-bankrate.aspx

Free Car Insurance Comparison

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

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