Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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In a nutshell...

  • Most drivers have over 100 car insurance companies to choose from in any zip code
  • Many smaller regional providers such as PEMCO in Washington State offer very affordable coverage
  • Many smaller insurers have millions of policyholders and often can provide the same level of coverage for cheaper rates

While we can confirm cheap car insurance is not a myth it certainly isn’t always found by simply punching in your zip code and looking at the first set of results.

Depending on your profile, car insurance rates can vary by 100 percent or more simply depending on who you speak with.

The best way of finding the cheapest car insurance companies will come when you have a comparable plan.

Enter your zip code above to get FREE car insurance quotes today!

A Few Easy Steps to Get Cheap Car Insurance

#1 – Think About What Types of Car Insurance You Need

Once you know exactly what type of auto insurance coverage you need the biggest obstacle is over, and you can start comparing insurance quotes equally.

#2 – Learn What Car Insurance Discounts are Available

This is important since not all car insurance companies offer the same set of cuts.

For example, a single accident from two years ago may prevent you from getting premium good driver rates from one provider whereas you may still qualify as a good driver with another.

You have to know what questions to ask. Many insurance agents and brokers often ask only a standard set of problems when there are a lot of discounts available.

#3 – Apply Online

Once you get a car insurance quote online print off the details and then call the company direct.

While online car insurance rates are often cheaper, sometimes the online form may omit some fundamental questions which could lower your standards.

You can always hang up and purchase the online policy, but it’s worth calling direct to see if a car insurer can provide a better rate over the phone.

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#4 – Never Be Pressured by Cheap Car Insurance Quotes

Very often these competitive car insurance rates are just low-cost auto insurance programs with minimal coverage.

Stick the first step and only purchase the insurance you need without comprising your financial protection as a driver. There are affordable car insurance policies around for almost every driver.

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How do I compare car insurance companies?

This is another common question when searching for cheap car insurance. Do you only apply to the well-known car insurance brands or are smaller car insurance companies more competitive?

Auto insurance comparison takes a little bit of talent, but you should know the car insurance industry is very regulated and there are many more car insurers around outside of Geico, Allstate and State Farm.

Many smaller regional providers such as PEMCO in Washington state offer very affordable coverage yet will never show on a top 10 list nationally since they service only a small portion of American consumers.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  2. https://www.geico.com/save/discounts/car-insurance-discounts/
  3. https://www.esurance.com/insurance/car/coverage
  4. https://www.statefarm.com/insurance/auto