Free Car Insurance Comparison
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UPDATED: May 22, 2019
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Auto insurance is a requirement to drive in most states in the United States. However, finding affordable auto insurance can be an easy process once you know what kind of insurance you need and where to look for car insurance rate comparisons.
Beyond auto liability insurance, it is important to consider other types of car insurance that will offer you further financial protection.
Enter your zip code above in our car insurance comparison tool for free car insurance quotes.
Auto Insurance Comparison Websites
In most cases, you only need to enter your general information one time and you will receive auto insurance premium rate quotes from multiple insurance companies.
You will be asked for contact information, such as the following:
- an email address
- a telephone number
Most car insurance comparison websites contract with insurance agents and companies for contact information for people who are interested in car insurance.
Independent Insurance Brokers
Another source of information regarding affordable car insurance quotes is independent insurance agents.
Agents do not charge to provide quotes for auto insurance rates and in most cases, they represent several different insurance companies and can provide you with multiple quotes for rate comparisons.
One advantage of working with an independent insurance broker is that they will take the time to talk to you about your insurance needs and can make recommendations regarding what kind of insurance you need and ways to save you money.
Also, most independent insurance brokers will regularly review your insurance policy when it comes up for renewal and make an effort to keep your premium rates down.
Free Car Insurance Comparison
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Insurance Company Websites
You can also go directly to insurance company websites for free quotes for auto insurance. Insurance provider websites can provide you with a great deal of information regarding the other insurance and financial products the insurance company offers.
For example, many companies offer discounts when combining any of the following types of insurance:
- recreational vehicle insurance
When you are looking for affordable car insurance, it is important to understand what you are buying and the choices you have for coverage.
Although most states require you to carry at least a minimum amount of liability car insurance, it generally is not enough coverage if you get in a serious auto accident, so it is advised to purchase additional liability insurance.
No matter what type of car insurance you are looking for we can help you find it.
Liability Auto Insurance
Liability car insurance provides payments for repairs needed to someone else’s car if you cause an accident. It also pays for their medical treatments if they are injured. It does not pay for damages to your car or for injuries to you or your passengers.
If you do not have enough liability insurance to pay for the damages or injuries, the other party may sue you for the balance of the expenses.
Since mandated liability insurance levels are typically extremely low, it is a good idea to purchase additional coverage if you can afford it. More information on car insurance is available online.
Other Types of Coverage
Collision car insurance pays for repairs to your car, even if you cause the accident. Collision coverage can be especially valuable if you have a newer car or your car is financed or leased. It is required coverage if your car is leased or financed.
Comprehensive auto insurance pays for damages to your car that are not caused by running into something.
For example, it pays for damages to your car that are the result of being hit by a tree limb or rocks.
It also pays for damages that are the result of:
- being stolen
If your car is financed or leased, you are required to carry comprehensive auto insurance.
Personal injury protection insurance is also known as PIP or “no fault” insurance and is required in 15 states. It pays for medical expenses regardless of who is at fault in an accident.
In addition to doctor visits and hospital expenses, it also pays for rehabilitation expenses, lost wages, and legal expenses.
If your car is financed and it is in an accident and declared a total loss, you will only be paid for the value of the car at the time of the accident. In most cases, this amount is far lower than what you owe on the car if it is leased or you have an auto loan on it.
However, you are still financially responsible for the balance due even if the car is totaled. Gap insurance pays the difference between the value of the car at the time of loss and the amount you owe on your auto lease or car loan.
Keeping Insurance Costs Down
There are many ways to keep your car insurance premium costs down if you are diligent. The easiest method is to ask about discounts when you purchase your insurance policy.
Often, insurance companies offer discounts if you have multiple cars on your policy or you bundle your car insurance with other kinds of insurance.
Other discounts include:
- good driving record
- good student
Another method of keeping your car insurance rates low is to evaluate your insurance needs each time your policy comes up for renewal.This means deciding how much coverage you need and if the premiums are worth the expense if you need to file a claim.
You should also compare rates each renewal period to make sure you are paying the lowest rate possible for your car insurance.
Finding affordable car insurance premium rates is easy when you know where to look. For the best rates possible, compare rates of at least three insurance companies, making sure you are comparing similar levels of coverage and the same types of car insurance.
We can help you compare car insurance quotes for free! Just enter your zip code below!