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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...

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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...

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Reviewed byBrad Larsen
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UPDATED: Mar 13, 2020

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In a nutshell...
  • All states have minimum car insurance requirements
  • The cost of any car insurance policy will always be one factor
  • Decide how much coverage you need and only compare auto insurance policies with the same amounts of coverage

Cheap car insurance is rather a vague term as car insurance policies comprise of much more than premiums but many drivers still ask the question who has the cheapest car insurance rates?

While this question if fair on the surface, it does not help you find the best car insurance coverage for you and your family.

Policy premiums are significant and you certainly don’t want to overpay for coverage however a reasonable car insurance comparison search begins with comparing potential policies equally.

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How important are cheap car insurance premiums?

Premiums are significant to your financial budget, but car insurance is something you only really benefit from when a car accident claim needs to be filed.

Any driver can compare quotes and pick the policy coverage with the lowest rates, but smart consumers will choose the most affordable car insurance policy from policies with equal coverage.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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What should I look for when comparing car insurance policies?

The cost of any car insurance policy will be one factor, but you also need to look at the details behind the following items to make sure you are comparing all things equally.

Here’s what you should look for when you compare policies:

  • Policy Deductible – How much are you be responsible for out-of-pocket in the event of a claim. Can you afford this much?
  • Limits of Coverage – All states have minimum car insurance requirements, but these requirements are often lower than most financial advisors recommended. Is $10,000 enough coverage for medical expenses when an overnight ER stay can surpass $20,000, and you might be personally liable for the rest? Decide how much coverage you need and only compare auto insurance policies with the same amounts of coverage.
  • Exclusions – While most car insurance policies have the same type of prohibitions read over the details of the system and ask your agent about any exclusions. Many times a single paragraph in the plan can exclude some essential coverage.
  • Claims Handling and Company Reputation – When you need to file a claim you certainly need a car insurance company you can trust so weigh the intangible cost of going with a respected brand name when comparing policy premiums. Sometimes a little higher premium can make you sleep a lot better knowing the right company has insured you.

Choosing a new car insurance company can be painless if you avoid the cute marketing campaigns of companies and use logic when comparing any car insurance policy.

The goal is to find cheap car insurance quotes and not just an affordable car insurance policy. Enter your zip code below to get FREE car insurance quotes today!

References:
  1. https://www.esurance.com/info/car/car-insurance-deductibles-the-basics
  2. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  3. https://www.thebalance.com/filing-auto-insurance-claim-2645925
  4. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums

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