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...

  • Always read about the types of coverage being offered whenever you get a car insurance quote
  • Comparing car insurance companies is the best way to get good quotes and rates
  • Car insurance comparison is widely accessible online

Cheap car insurance has a different definition depending on whom you speak with.

For some drivers, cheap car insurance is only defined as the policy with the lowest rates while others compare quotes and try to make an educated comparison between coverage options.

The words cheap car insurance are often misleading because one thing you don’t want to be when it comes to obtaining car insurance coverage is reasonable.

If Geico is charging $200 a month while Nationwide is charging $180 for the same amount of coverage and the two car insurance companies are of equal reputation, then the $180 option is the cheap auto insurance coverage you are looking for.

Use our FREE quote tool to compare cheap car insurance rates today!

How to Avoid Pitfalls of Cheap Car Insurance Quotes

Many times when you receive cheap car insurance quote the policy provided contains bare minimum state requirements which are only fundamental policy limits to assist in minor accidents, and this coverage will just extend to others.

In short, if your auto insurance quote is only providing you with minimum coverage as required by law then you probably do not have coverage for insured or damages sustained to you or your vehicle.

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What are the most important elements of car insurance to compare?

While car insurance premiums are based on internal risk formulas there are many things you can compare to make sure any potential policy has enough coverage for you and your family.

Some of the most important things to compare in a car insurance policy are:

  • Types of Coverage
  • Policy Limits of Coverage
  • Amount of Deductible
  • Policy Exclusions

If you want to find the best auto insurance rates than auto insurance comparison will be the best way to avoid getting jacked.

While many auto insurers advertise cheap auto insurance quotes a good comparison of any potential policies can make the coverage is the same, and the reason for more affordable premiums is not due to lesser coverage.

Car insurance comparison is widely accessible online, and a wealth of resources exist to help educate drivers about auto insurance coverage which can help you save money now and for your next car.

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

References:

  1. https://www.esurance.com/insurance/car/coverage
  2. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  3. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  4. https://www.progressive.com/auto/discounts/compare-car-insurance-rates/