Find out how to get the best car insurance rates through bundling, discounts, getting quotes from multiple companies, and choosing the right policy.
When working on getting the best car insurance rates, the first step is to decide on the coverages, limits, and size of deductible you need. Each state requires a minimum amount of coverage, so it’s important to locate that information on your state’s Office of Insurance Commissioner’s website or our list of state liability coverage minimums.
Once you’ve determined coverages, limits and deductible size, shop around and compare car insurance quotes. If you have bad credit, a poor driving record, are young, live in a high crime area, or drive an expensive car, we can help you compare car insurance rates from multiple companies to make sure you’re getting the best deal possible.
After gathering and comparing quotes from several insurance carriers, it’s important to be well versed in the possible discounts available to you. Visit our 32 Common Car Insurance Discounts article for more detailed information on auto insurance discounts.
In addition to the items listed above, there are more obvious things you can do to keep your insurance rates low:
Once you have your car insurance quotes in hand, there are a few things we recommend paying close attention to:
It’s been our experience that the most informed consumers tend to get the best deals. Research and comparing car insurance quotes help ensure you get the best rates, coverage, and solid customer service. Disregarding comparison shopping can leave you open to purchasing an auto insurance policy that doesn’t provide the coverage you need and has higher rates than other comparable policies.
Cheap car insurance doesn’t always include the appropriate type or amount of coverage. A good rule of thumb when trying to determine if you’ve bought “good” car insurance is, when an accident occurs, your out of pocket expenses aren’t significant or a struggle to pay.
Finding the correct insurance carrier means you’ll feel comfortable knowing you’re able to handle all financial costs related to having an accident and knowing you didn’t overpay for it. The only way to know if you’re overpaying for auto insurance is to shop around and compare.
A: Yes, this is very important. It’s the only way you’ll know that the quotes provided really meet your auto insurance needs. Additionally, if you provide false information and it’s discovered later by the insurance company you ultimately chose, then you could be charged with insurance fraud. Or not have a claim honored after an accident, which means you’ll be paying for everything yourself.
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