How can I find the best affordable car insurance?

One of the keys to finding the best affordable car insurance companies is knowing what types of policies are available and what kind of insurance you really need. Another good source for affordable auto insurance are comparison websites like this one. Enter your ZIP code below to find the best affordable auto insurance quotes from local providers.

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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: Jun 4, 2021

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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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Many people are trying to save money in every way possible these days. One way to cut down on monthly expenses is to get the best affordable car insurance. See if you can save with cheap car insurance quotes today! There are several places you can go to find good deals on auto insurance.

For the most part, it is a matter of knowing where to look and comparison pricing and understanding the different kinds of car insurance policies available. Try our FREE ZIP code search to see if you can save money!

Understand Auto Policies

One of the keys to finding the absolute best affordable car insurance companies is knowing what types of policies are available and what kind of insurance you really need. In many cases, simply choosing the right kind of coverage can save you a great deal of money in the long run.

Liability Insurance: Liability coverage does not cover expenses related to damage to your own property or injuries that you may receive in an accident that is your fault. However, it does cover damages to someone else’s property if you cause an accident. In many states, liability auto insurance coverage is mandatory to drive legally.

If you drive an older car, this may be the only type of insurance coverage you need, since the value of your car if it is totaled will be far less than what you will pay in premiums for more extensive coverage.

Comprehensive Coverage: Comprehensive auto insurance provides coverage for just about any type of damage that might occur to your car, but is not the result of an auto accident.

For example, if your car is damaged due to a flood, hailstorm or hurricane, repairs or replacement will be covered under comprehensive insurance.

Collision Insurance: Collision coverage applies for situations in which your car is involved in any type of collision. This includes both cars and other types of structures, such as buildings, guard rails, fences or anything else. Collision coverage will cover expenses related to repairing your car.

Gap Insurance: Gap insurance can be very important if your car is financed. If you are in an accident and your car is totaled, you will receive payment for the current value of the car, not the purchase price. If this happens, then you will be responsible for paying the difference between current value and your car loan to your lender.

However, gap insurance provides coverage for this difference in car value, preventing you from being liable for any remaining amounts on your car loan if your car is damaged beyond repair.

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Influences on Policy Premiums

Once you have decided exactly what kind of insurance will best suit your needs, you should also consider other aspects of auto insurance coverage that can influence your policy rates. For example, if you have a higher deductible amount, your rate will likely decrease.

Also, many companies provide discounts if you have additional policies with them, such as homeowners, rental or life insurance. Other important discounts to ask about include good driver, good student and senior discounts.

There are also several other things that can influence your premium rates. If you have poor credit, you may find that you are paying higher car insurance premiums than you would if you had excellent or good credit.

Today, auto insurance companies use credit ratings as part of how they rank a customer and determine policy rates. However, if your credit rate improves, over time your premium will lower.

Another influence on insurance premiums is your driving record. A good driving record will help you receive good premiums. However, if you have a history of speeding tickets, accidents or other driving problems, it will raise your rates.

Most of these items will stay on your driving record for five years and then drops off. Afterward, your premiums should decrease.

Comparison Shopping

When looking for good prices on car insurance, there are several places you can look. One of the easy sources of information is insurance comparison websites.

These websites allow you to enter your information one time and get insurance quotes from several different insurance providers.

In some cases, you will be able to compare prices right on the web page. However, it is common for insurance comparison websites to also ask for your contact information, such as email and telephone number, so that agents can contact you and provide you with quotes directly.

When using insurance comparison websites, make sure you review the policy provisions to ensure that you understand any difference between coverage from one company to another.

Insurance Company Websites

Another good source for affordable car insurance is insurance company websites. By going directly to the insurance provider website, you may find that you can find additional discounts or better rates that you might find on an insurance comparison website.

Often, it is possible to talk directly to a representative from the insurance company.

This allows you to tell them more about what your specific insurance needs are and they can provide you with suggestions on ways to save money while getting the best policy their company can offer.

If you decide to go directly to auto insurance company websites, it is a good idea to compare prices and polices from several different companies before making a decision.

In addition to looking at the policy provisions, also consider what other benefits they are offering that might be of value. For instance, a number of auto insurance companies now offer roadside assistance, rental cars during repairs and travel assistance to policy holders.

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Independent Insurance Brokers

You can also benefit by working with an independent insurance broker. The advantage of using this approach is that often you can talk directly with the broker and receive personalized service to find the right auto insurance coverage for your needs.

In many cases, independent insurance brokers work with a large number of insurance providers and can do the comparison shopping for you, saving you time and hassle in the process. They may be able to help you combine policies to get you better premium prices on other types of insurance, because they can bundle coverage together.

Additionally, they may be aware of specific discounts available that can also cut down your premium costs.

Another benefit of working with an independent insurance broker is that often they will keep an eye on your premiums when it is time for your policy renewal.

Finding What’s Best for You

They stay aware of changes in the insurance industry and can often help keep your costs under control by encouraging you to change policies as insurance companies raise their rates. They may also make recommendations on ways to change your level or type of coverage as your needs change over time.

For many people, the personalized service they receive from working with an independent insurance broker helps save money in the long run. They enjoy knowing that if they have a question about their coverage or they are involved in an accident, there is someone they can talk to who knows them.

Ultimately, the best way to find affordable car insurance is to comparison shop and understand the different types of car insurance available. Try our FREE quote comparison tool today!

Take the time to carefully evaluate the policy provisions and ask about any discounts available. Also, keep in mind that your driving history and credit can influence how much you pay for car insurance. Once you know what you need, try our FREE ZIP code search to get started today!

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

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