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UPDATED: Mar 13, 2020
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It may seem like every time you turn on the TV these days, there is yet another insurance commercial by a company that promises to help you save money on your car insurance.
Finding what companies have the lowest car insurance rates can be difficult. See what your quote will be by using our FREE car insurance tools at the top and bottom of this page! All you have to do is put in your ZIP code!
The desire to cut down monthly expenses is a common one shared by many people today, and your auto insurance seems like a good expense to trim down. Yet with so many insurers all stating that they have the lowest rates, it can be difficult to learn where you should turn to for coverage.
So which companies really have the lowest rates possible? Find out what your insurance might be by putting in your ZIP code above!
How Insurance Rates Are Calculated
Before you can understand which company may offer you the lowest rates, you first should take a moment to learn more about how insurance rates are calculated. If you want to get cheap car insurance, it is important to know how rates are calculated. These factors include data like:
- Your age
- Your zip code
- The distance of your daily commute, or the average number of miles you drive in a year
- Your vehicle, and specifically information like its make, model, year, and safety equipment
- The coverages you are requesting
These and other factors are all considered by most insurers when calculating auto premiums. Yet they each weight the factors differently in their calculations. This is complicated further by the fact that each also offers different discounts that equate to premium savings.
Know State Coverage Requirements
Many people who want to know which companies offer the lowest insurance rates really want to know how they can save money on their premium.
The coverage amount you request will affect the rate quotes you get back, and generally the coverage amount you choose is flexible provided it conforms to state minimum requirements. If you want to save money on your coverage, you should consider opting for the minimum coverage required by your state.
Minimum coverage requirements vary by state, so before you spend a lot of time and make effort getting quotes, you do want to research what these minimum requirements are for your state.
Shopping Around Pays Off
As you can see, with so many factors included in a premium calculation and with each company weighting those factors differently, there is not a single company that offers the lowest rates for everyone.
Some companies may provide the lowest rates for safe drivers. Others may offer the lowest rates to students, to seniors, to those driving luxury vehicles, and more. The only way to know which company offers the lowest rates for your own unique set of criteria is to shop around.
More than that, you will want to shop in a comprehensive way if you are serious about getting the lowest rate. The efforts can take time, but shopping can pay off in significant savings on your premium.
How to Get Quotes
Now that you know that it will take quite a bit of shopping around to get rate quotes from many different insurance agents, you may almost be resigned to the possibility that you will never find affordable coverage.
However, there is a fast and easy way to get multiple quotes from different companies. Using a price comparison website can generally yield a significant number of quotes from reputable insurance agencies, and it takes only a few minutes of your time to generate quotes from these sites.
These are quotes that are customized just for you based on the factors and coverage amounts you input into the quote generation form.
Look for Additional Savings
Using a price comparison site that allows you to quickly generate cheap car insurance quotes is a great way for you learn about possible insurance savings. However, if you are serious about finding the lowest rates possible for your coverage, you may not want to simply take the initial rate quotes provided to you.
Many insurance companies offer discounts that you may qualify for now. Some discounts may be available to you with just a little more effort. Consider discounts such as:
- a driver’s safety course discount
- a multiple insurance policy discount
- a discount for policy renewal
- a discount for the number of years since you have filed a claim
- a discount for being a full-time college student
These and other discounts may be available to you right now, or they may be available to you with some time and effort your part. For instance, you may be able to take a driver’s safety course and save a percentage off your premium.
Nobody wants to pay more than they have to on their insurance coverage. Regardless of whether you pay your insurance premium monthly, semi-annually, or annually, this is a regular expense in your budget. Taking time to trim the cost today can equate to savings enjoyed throughout the next year and beyond. However, unfortunately saving money on auto coverage isn’t as easy as simply finding which company has the lowest rates.
Instead, you have to make an effort to find out which company offers the lowest rates for you specifically. You can put some of the tips mentioned here into action today to save time as you shop around for the most affordable coverage for your needs. Put in your ZIP code and get car insurance quotes for FREE!