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Cheap Car Insurance Quotes: Compare Online

Your ultimate cheap auto insurance quotes comparison and shopping guide, online and offline.

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Table of contents

1. Car Insurance Quotes Explained 2. Car Insurance Quotes: Examples 3. Cheapest Car Insurance Quotes: Very Cheap Car Insurance, No Deposit or Low Deposit 4. How Long Does it Take to get a Car Insurance Quote? 5. Do Car Insurance Quotes Affect Your Credit Score?6. Does Your Credit Score Affect Your Car Insurance? 7. Full Coverage Car Insurance Quotes By State 8. Minimum Liability Car Insurance Quotes by State9. Full coverage Car Insurance Quotes by Age and Gender 10. Car Insurance Quotes by Gender: Experienced Drivers 11. Car Insurance Quotes: The Ultimate Shopping Guide11.1. Car Insurance Quotes via Car Insurance Comparison Sites: 4.2/511.2. Worst and Best Car Insurance Comparison Sites Online Review11.2.1. Insuranks.com Car Insurance Quotes: 4/511.2.2. Gabi Car Insurance Quotes Review: 5/511.2.3. CarInsurance.com Review: 2/511.2.4. Compare.com Car Insurance Quotes: 4.6/511.2.5. CoverHound Car Insurance Quotes: 4.8/511.2.6. Esurance Car Insurance Quotes: 3.6/511.2.7. EverQuote Auto Insurance Quotes: 0.6/511.2.8. Insure.com Review: 0.8/511.2.9. Insurify Car Insurance Quotes: 4.4/511.2.10. NetQuote Car Insurance Quotes: 2.6/511.2.11. PolicyGenius Car Insurance Quotes Review: 4.6/511.2.12. QuoteWizard Car Insurance Quotes: 2/511.2.13. The Zebra Car Insurance Quotes: 3.2/511.3. Auto Insurance Quotes via Agents and Brokers: 3.9/5 11.4. Direct Car Insurance Quotes via Insurers: 3.7/511.5. Direct Car Insurance Companies Comparison11.5.1. AAA Auto Insurance Quotes: 4/511.5.2. Allstate Auto Insurance Quotes: 4.3/511.5.3. Amica Auto Insurance Quotes: 4.5/511.5.4. ClearCover Car Insurance Quotes: 3.8/511.5.5. Costco Ameriprise Car Insurance Quotes: 3.7/511.5.6. Farmers Car Insurance Quotes: 3.7/511.5.7. Freeway Car Insurance Quotes: 3.7/511.5.8. GEICO Car Insurance Quotes: 4.5/511.5.9. Liberty Mutual Car Insurance Quotes: 3.5/511.5.10. Mercury Car Insurance Quotes: 3.9/511.5.11. MetLife Car Insurance Quotes: 4.4/511.5.12. Nationwide Car Insurance Quotes: 4.3/511.5.13. Progressive Car Insurance Quotes: 4.8/511.5.14. Root Car Insurance Quotes: 3/511.5.15. Safe Auto Insurance Quotes: 3.5/511.5.16. State Farm Car Insurance Quotes: 4.5/511.5.17. Travelers Car Insurance Quotes: 4.5/511.5.18. USAA Car Insurance Quotes: 4.75/511.5.19. Direct Car Insurance Quotes Comparison: Companies & Rates11.6. Car Insurance Quotes Comparison Guide: Wrapping it up 12. Comparing Auto Insurance Quotes and Perks12.1. Car Insurance Quotes Comparison Tips12.2. How to Get the Cheapest Car Insurance Quotes13. What is Car Insurance? 13.1. What Does Car Insurance Cover? 13.1.1. Basic Liability Policy13.1.2. Bodily Injury Liability Coverage13.1.3. Property Damage Liability Coverage13.1.4. Personal Injury Protection (In No-Fault States)13.2. Full Coverage Policy13.2.1. Basic Liability 13.2.2. Collision Coverage13.2.3. Uninsured/Underinsured Driver Coverage13.2.4. Comprehensive Coverage13.2.5. "GAP" Insurance13.2.6. Rental Coverage13.3. Auto Insurance Types and Coverage Options13.4. Do I Need Car Insurance?13.5. Top 4 Factors That Affect Car Insurance Quotes13.5.1. Driving Record13.5.2. Type of Vehicle13.5.3. City/State you Live in14. Is it Safe to Buy Car Insurance Online? 15. What's Next?16. Safe Driving Resources

Latest Auto Insurance Updates

The Cheap And Best Full Coverage Auto Insurance

2021-09-24 08:56:00

Who doesn’t like saving money? Here's your guide to cheap full coverage auto insurance.

agencyheight.com

The Cheap And Best Full Coverage Auto Insurance

2021-09-24 08:56:00

Who doesn’t like saving money? Here's your guide to cheap full coverage auto insurance.

agencyheight.com

How to Compare Car Insurance Quotes and Get Cheap Auto Insurance Online

So your old auto insurance policy is expiring, you canceled your previous policy, or you just purchased a new vehicle. Mazel tov! Now it's time to compare car insurance quotes from the best auto insurers and get the best coverage for your precise requirements at the cheapest rate. 

While auto insurance can become time-consuming, expensive, and frustrating to deal with, it is a must for you to follow national and state-mandatory laws and regulations that passed legislation to protect drivers from unexpected financial loss that involves driving and vehicle ownership.

The following guide will open your eyes and raise your awareness about the different options available today for those looking to compare car insurance quotes, companies, coverages, and plans in the most beneficial way, whether online, on the phone, or to face. It includes expert and customer reviews so you can make the best decisions for your auto insurance needs which will positively affect your life—and your wallet!

It covers car insurances from the bottom-up—definitions, facts and statistics, explanation of terms, types of auto insurance, customer reviews and expert reviews of different auto insurance companies, products, comparison sites, and services, as well as guidance on the best ways in which you can compare and find a good yet cheap auto insurance quotes, for free, and buy car insurance online. So get yourself some coffee, sit back, scroll down and read on!


Car Insurance Quotes Explained 

Car insurance quotes are estimates for what your auto insurance policy would cost and cover the carriers given by auto insurance companies. The carrier estimates these quotes and can also be served by licensed car insurance agencies, agents, brokers, aggregators, and comparison sites.

Auto insurance quotes are determined by the information given to the quote provider. The more you provide relevant information, the more accurate the car insurance quotes you get are going to be. Mostly, your quotes are personalized and tailored to your own specific needs based on your precise risk profile as you state essential factors that determine the given car insurance quotes, such as: 

  • Driving history
  • Background
  • Credit score
  • Age
  • Gender
  • Location
  • The vehicle you drive 
  • Vehicle usage
  • Coverage type and amount
  • Marital status: Married people are statistically involved in fewer auto accidents than singles, divorced, and widows
  • Homeownership: homeowners pay dramatically less for their car insurance than renters similar coverage, thanks to auto and home insurance bundle discounts
  • Any other relevant information for assessing the policyholder's carried risk 


Explore our car insurance studies:

Car Insurance Quotes: Examples

Below are some auto insurance quotes examples of different driver types. The table shows the average annual auto insurance quotes for drivers on various conditions. It gives a good idea of what your quotes should approximately be under these conditions. Still, of course, many other factors determine your rates. 

Driver StatusAverage Annual Quote
Good credit$951
After speeding ticket$1268
Poor Credit$1671
An at-fault total loss$1231
Married couple$2032
After a DUI$1687
A married couple with a teenager$2904

Cheapest Car Insurance Quotes: Very Cheap Car Insurance, No Deposit or Low Deposit

Trusted companies do not offer any no-deposit or no-down-payment car insurance. You still have to pay at least the first month's premium in advance rather than the annual lump sum at once, which makes it a reasonably affordable deal. While paying your premiums all at once can save some money on your car insurance, it is less convenient for some of us. Therefore you can simply get very cheap car insurance with a low deposit or down-payment. 

Below you can find a list of very cheap car insurance with low deposit/down-payment providers that offer the best car insurance rates with an average car insurance cost per month of $100 or less and our rating of each auto insurance provider. It should help you find the best, cheapest car insurance deposit possible without compromising on the quality of your provider.

Here are the cheapest car insurance companies with relatively low down payments:

CompanyInsuranks RatingAverage Monthly QuoteBest For
USAA4.75/5$34Military families
GEICO4.5/5$40Cheapest car insurance quotes if you're not in the army
State Farm4.5/5$52Peace of mind
ClearCover3.8/5
$55
Technology-centric car insurance
Gabi4/5$60Online auto insurance comparison
Progressive4.8/5$63Coverage standards and high-risk drivers
Root
3/5$65Low rates; Tech-savvy drivers looking to get rewarded for improving their driving through the app
Mercury3.9/5$70
Cheapest rates for a basic coverage
NJM4.5/5$79Best car insurance for DUI in NJ, PA, CT, and OH
Costco Ameriprise3.7/5$86Discounts
Erie4.1/5$87New Drivers
Amica4.5/5$100Customer satisfaction
Travelers4.5/5$100Tailored car insurance policies at affordable rates
Freeway3.7/5$100High-risk drivers, Spanish speakers & drivers in need of SR22 

As you can see from the comparison table, the cheapest car insurance company is USAA, with an average car insurance cost of $35 per month and no competitors. The only things you have to be in the military or be related to someone in the military to enjoy it.

Also, check out our review of the best and cheapest car insurance companies of 2021.

Auto insurance companies determine your rates based on many different factors, like age, gender, state of residence and location, vehicle type, driving record, driving habits, credit score, and coverage type. Although the prices vary due to these factors, premium quotes can be predicted for the average car insurance company. Take a look at the national average full coverage and minimum coverage car insurance quotes for some of the most popular car insurance companies in 2021.


Company
Full coverage quote per yearFull coverage quote per monthMinimum coverage quote per yearMinimum coverage quote per month
Allstate$1,850$154$785$65
GEICO$1,175$98$480$40
Progressive$1,390$116$750$63
State Farm$1,250$104$625$52
USAA$885$74$405$34


How Long Does it Take to get a Car Insurance Quote?

Generally, getting car insurance quotes online can take around 10-15 minutes. 

While getting one car insurance quote shouldn't take more than 1-2 minutes, sometimes it depends on the specifications of the application. 

Our Two Cents: Go through as many options and get car insurance quotes from maximum companies, collect quotes and have all options on your table and only then choose the best coverage for your specific auto insurance needs at the best rate from the best rated companies.


Do Car Insurance Quotes Affect Your Credit Score?

Car Insurance quotes do not affect, neither hurt, your credit score. 

However, every time car insurance companies run your credit report so they can give you their free quotes, an inquiry is being added to your credit report.

These inquiries have no effect on your credit score. It doesn't hurt your credit in any way and you can find them on your personal credit reports.


Does Your Credit Score Affect Your Car Insurance?

92% of insurers now take credit into account when determining auto insurance quotes. Why? Taking your credit in to account helps them predict their losses and the risk they are carrying by covering you. 

If you have an excellent credit score you will receive cheaper car insurance quotes compared to the quotes a driver with bad credit score would get.


Full Coverage Car Insurance Quotes By State

Below you can find some average auto insurance quotes for full coverage in every state in USA. As you can see, it is not too hard to find cheap full coverage car insurance quotes in most states.

StateFull Coverage per monthFull Coverage per year
Alabama$142$1,700
Alaska$129$1,550
Arizona$150$1,800
Arkansas$146$1,750
California$142$1,700
Colorado$163$1,950
Connecticut$171$2,050
DC$183$2,200
Delaware$158$1,900
Florida$179$2,150
Georgia$154$1,850
Hawaii$133$1,600
Idaho$108$1,300
Illinois$129$1,550
Indiana$104$1,250
Iowa$113$1,350
Kansas$142$1,700
Kentucky$196$2,350
Louisiana$217$2,600
Maine$92$1,100
Maryland$150$1,800
Massachusetts$121$1,450
Michigan$263$3,150
Minnesota$133$1,600
Mississippi$142$1,700
Missouri$150$1,800
Montana$163$1,950
Nebraska$125$1,500
Nevada$200$2,400
New Hampshire$92$1,100
New Jersey$167$2,000
New Mexico$133$1,600
New York$171$2,050
North Carolina$119$1,425
North Dakota$133$1,600
Ohio$100$1,200
Oklahoma$150$1,800
Oregon$125$1,500
Pennsylvania$142$1,700
Rhode Island$171$2,050
South Carolina$138$1,650
South Dakota$138$1,650
Tennessee$125$1,500
Texas$150$1,800
Utah$125$1,500
Vermont$117$1,400
Virginia$100$1,200
Washington$133$1,600
West Virginia$138$1,650
Wisconsin$113$1,350
Wyoming$150$1,800

Also read: States with Cheapest Car Insurance Rates


Minimum Liability Car Insurance Quotes by State

The cheapest and most expensive states for minimum liability car insurance rates are bolded and underlined.

StateMinimum Liability Insurance Quote Per Year
Alabama$600
Alaska$450
Arizona$513
Arkansas$501
California$574
Colorado$553
Connecticut$821
DC$623
Delaware$843
Florida$828
Georgia$684
Hawaii$485
Idaho$606
Illinois$878
Indiana$498
Iowa$357
Kansas$654
Kentucky$1062
Louisiana$971
Maine$416
Maryland$853
Massachusetts$484
Michigan$1,855
Minnesota$472
Mississippi$603
Missouri$432
Montana$381
Nebraska$599
Nevada$722
New Hampshire$492
New Jersey$644
New Mexico$609
New York$887
North Carolina$351
North Dakota$528
Ohio$429
Oklahoma$418
Oregon$639
Pennsylvania$502
Rhode Island$808
South Carolina$596
South Dakota$281
Tennessee$408
Texas$538
Utah$502
Vermont$552
Virginia$385
Washington$662
West Virginia$604
Wisconsin$364
Wyoming$485


Full coverage Car Insurance Quotes by Age and Gender

Another main factor in determining your auto insurance quotes is your age and your gender. Inexperienced drivers are very high risk as considered by insurance companies. Therefore, they quote such young new drivers accordingly. Females usually pay less for car insurance than males on average since males are considered a higher risk due to overconfidence which leads to accidents in many cases. Below is average full coverage car insurance quotes per year by age and gender. Of course, the rates may vary by many other factors, including your state and vehicle type.

AgeMaleFemale
16$6,900$6,400
17$6,850$6,400
18$6,500$6,750
19$6,000$5,400
20$5,300$4,800
21$4,500$4,000
22$4,150$3,950
23$3,900$3,700
24$3,700$3,500
25$3,250$3,150

Car Insurance Quotes by Gender: Experienced Drivers

Experienced drivers pay less for auto insurance. Insurers provide them with lower quotes thanks to a lower risk due to experience. Of course, many other factors can affect these prices. If you are an experienced driver with a terrible driving record, you are less likely to enjoy lower car insurance quotes. Please find some typical car insurance quotes by gender for professional drivers per year across the USA.

GenderAverage car insurance quote per year
Male$1548
Female$1468


Car Insurance Quotes: The Ultimate Shopping Guide

When it comes to getting the best deal on your car insurance rates, there are several paths you can follow. You can use car insurance comparison sites, contact a broker or agency, or simply go directly to the insurance agent. Each approach has its advantages and disadvantages, but it can be hard to work out which one works best for you, given the vast choice of options.

That's why we've put together "The ultimate shopping guide for auto insurance quotes." We've looked at 12 key parameters that you need to consider when you're looking for low-cost auto insurance, namely:

  • Time: How much time and effort is needed to source the car insurance quotes?

  • Online: Can you search for auto insurance quotes online and buy car insurance online?

  • Phone: Can you use your phone to call and get car insurance quotes?

  • Face to face: Can you source affordable car insurance via a face-to-face meeting?

  • Rates: Can you get cheap car insurance rates using this method? 

  • Coverage: How good is the policy coverage offered? How much it fits your needs rather than providing you with insufficient coverage or coverage that is beyond what you need?

  • Choice: Can you compare car insurance rates from a range of companies?

  • Speed: How fast is it to get car insurance quotes? How long does it take to implement a new policy once you get the quotes?

  • Saving: Are there cheap car insurance quotes that offer worthwhile discounts and savings?

  • All States: Do these free car insurance quotes can be applied in all states?

  • High Risk: Is cheap insurance for young drivers, learners, and other high-risk drivers available?

  • Ease: How easy is the process when you compare car insurance quotes?


We'll consider the main pros and cons of each approach to sourcing auto insurance quotes. Then we'll use the same metrics to compare auto insurance from specific companies, brokers, and car insurance comparison sites. We've used 1 to 5 scale ratings on our review: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad

Car Insurance Quotes via Car Insurance Comparison Sites: 4.2/5

For convenience, speed, and ease of use, it's hard to beat auto insurance quotes comparison sites that offer free and instant car insurance quotes online. By simply providing information, clicking a button, and hey presto - you have a fast car insurance quotes comparison of what's on offer, making it easy to compare and contrast rates from a range of different companies and coverage options. What's not to like?

Well, there are several potential downsides to using an online comparison site. First, it may be giving undue prominence to sponsored deals which aren't necessarily the best solution for you. Second, the market coverage may be limited, meaning you could be missing out on specific deals that are only available direct. And probably most important of all, it may not be comparing like with like. Those cheap auto insurance quotes might look good on paper, but they may be hiding conditions like high deductibles or no accidental damage.

Having pointed out some of the shortcomings of online comparison sites, it's important to stress that, for the most part, they're a handy and welcome tool. These sites make it easy to compare auto insurance quotes, and if your time is limited, they're a great choice. You could spend a week phoning around all the different insurance companies, but if you end up saving yourself $25, was it worth it? Plus, the other side of the equation is that some great online deals can save you serious amounts of cash.


PROS 

  • Just so quick and easy to use
  • Rates from a range of companies
  •  Instant coverage is available

CONS

  • You may be missing out on certain deals, plus some companies may not be listed online on certain sites
ParameterRating
Time5
Online5
Phone3
Face to face1
Rates5
Coverage4
Choice5
Speed5
Savings5
All States4
High Risk3
Ease5

Worst and Best Car Insurance Comparison Sites Online Review

With so many car insurance quotes comparison sites to choose from, we sometimes wonder whether there's a need for a comparison site for all the online comparison sites out there!

That said, going online is the best option for auto insurance quote comparisons, and if you want to buy cheap auto insurance online, they're the way to go. You want to find the site that is most relevant to your online auto insurance needs. 

Comparison sites fall into three categories: actual insurance companies or agencies, websites that genuinely compare rates, and lead generator sites that collect your details and then send them to their partners, typically insurance companies or agents, in this instance. 

In our experience, the leading sites are generally similar in terms of results and the services they offer. The most important thing you should check is how many insurance companies the website covers. Some sites are better than others in this respect, and many select their network of agents more carefully than others. 

For comparison purposes, we've considered the following:

  • Type: Insurance company or agency (ICA), comparison site (CS), and lead generator (LG)

  • Online quotes: Direct availability of car insurance quotes

  • Scope: The number of companies being compared to (e.g., excellent, good, fair, poor)

  • Accuracy: Comparison of initial auto insurance quote to the final auto insurance premium payment

  • Speed: Time it takes to process auto insurance quoting

  • Ease: User-friendliness of the website

We've then given an overall score, plus our assessment of the pros and cons of each site. So here's our rating of the worst and best car insurance comparison sites:

WebsiteInsuranks Score
Gabi5/5
CoverHound4.8/5
Compare.com4.6/5
PolicyGenius4.6/5
Insurify4.4/5
Insuranks.com4/5
Esurance3.6/5
The Zebra3.2/5
NetQuote2.6/5
CarInsurance.com2/5
QuoteWizard2/5
Quote.com2/5
Insure.com0.8/5
EverQuote0.6/5


Insuranks.com Car Insurance Quotes: 4/5

Insuranks.com is the insurance comparison website you are currently visiting. It is an educational resource for insurance consumers that gives them higher awareness. Insuranks.com partners and ranks insurers, agencies, and even comparison sites based on customer ratings, reviews, and experiences. Its comparison tool connects you with the broadest variety of companies while educating you about them through content and customer reviews. Insuranks.com provides the best car insurance quotes you can find online. 
To compare car insurance quotes through Insuranks.com, simply hop over to the top of this page and enter your ZIP code.

PROS
  • Superb coverage and choice of companies
  • Wonderfully simple
  • User-friendly interface
  • Very customer-centric and educational
  • Providing a large overview by partnering with everyone, insurance companies, agencies, brokers, aggregators, and other comparison sites
  • Customer reviews and ratings are available.

CONS
  • It doesn't list quotes
  • Only connects you to places where you can get them

BEST FOR: Education, ease of use, largest selection of insurance companies, deals you cannot find on other comparison sites

ParameterRating
TypeComparison Site
Online quotesMostly no
ScopeExcellent
AccuracyExcellent
Speed Excellent
EaseExcellent

Gabi Car Insurance Quotes Review: 5/5

Thanks to its ease of use and low-cost quotes, Gabi is our best car insurance quotes comparison site and the highest-ranked one. Gabi is a free auto insurance comparison engine that helps you compare quotes online for your precise coverage requirements and find the best options fast from over 40 top insurance companies they've partnered with. It is a fully licensed insurance broker in all states, where its average car insurance cost is $60 per month.

PROS
  • Excellent rates; Claims it saves $961 per year on average 
  • Ease of use
  • Over 40 insurance companies
  • Fast online car insurance quotes comparison
  • Offers even lower rates for home and auto insurance bundles

CONS
  • Requires a sign-up
  • Shows the cheapest rates first by default (not always the best thing)

BEST FOR: Cheap auto insurance quotes through an online comparison engine
ParameterRating
TypeComparison Site
Online quotesYes
ScopeExcellent
AccuracyExcellent
Speed Excellent
EaseExcellent
Read more: Gabi Insurance Reviews

CarInsurance.com Review: 2/5

CarInsurance.com is a lead generator owned by QuinStreet Inc, an online digital marketplace pioneer. It doesn't provide online quotes, and after you fill in your details, it simply connects you with minimal 1 to 5 auto insurance options, which you can click on to get your quotes from, but you will have to fill in your details all over again. 

PROS
  • Easy to use interface

CONS
  • It doesn't provide quotes. It only sells your leads and connects you to third-party partner sites where you will have to re-enter your details all over again.
  • A very limited number of results (1 to 5)

BEST FOR: Drivers in a rush to get coverage who don't mind the poor selection and experience
ParameterRating
TypeLead Generator
Online quotesNo
ScopePoor
AccuracyPoor
Speed Excellent
EaseExcellent

Compare.com Car Insurance Quotes: 4.6/5

Compare.com is a car insurance comparison shopping website and licensed agency. It is a sister company of Confused.com, a UK car insurance comparison pioneer owned by Admiral, an international insurance group. Compare.com's average car insurance cost is $79 per month.

PROS
  • Compares auto insurance rates from over 50 companies
  • Auto insurance-focused
  • Trusted brand


CONS
  • Other websites offer a greater choice of customizable options.

BEST FOR: Multiple payment options
ParameterRating
TypeInsurance Agency
Online quotesYes
ScopeExcellent
AccuracyExcellent
Speed Good
EaseGood

CoverHound Car Insurance Quotes: 4.8/5

CoverHound.com has some of the best comparison technologies in the market. It also works in partnership with several other sites. 

PROS
  • Excellent user experience
  • Technologically advanced
  • Provides many different coverage options from multiple companies
  • Allows you to edit your required coverage details, customize them and add coverage as you wish to receive quotes for your exact auto insurance needs
  • Automatically calculate discounts
  • Accurate final rates due to a direct relationship with 26 auto insurance carriers


CONS
  • Not available in Alaska, Hawaii, and Massachusetts
  • Some of the best car insurance providers are not included in their comparison

BEST FOR: User experience and Quote Accuracy.
ParameterRating
TypeInsurance Agency
Online quotesYes
ScopeGood
AccuracyExcellent
Speed Excellent
EaseExcellent

Esurance Car Insurance Quotes: 3.6/5

Esurance.com is a direct insurance company that is a wholly-owned subsidiary of Allstate, targeted at customers who prefer to buy insurance online or on the phone. 

PROS
  • Trusted brand
  • Great interface, handy online tools, and powerful apps


CONS
  • Only provides suggestions for few other insurers, without providing real-time quotes, its sole purpose is to sell its policies rather than those of other insurers
  • Only available in 42 states at the moment, but constantly expanding

BEST FOR: Time-poor, tech-savvy users
ParameterRating
TypeInsurance Company
Online quotesYes
ScopeFair
AccuracyPoor
Speed Excellent
EaseExcellent

EverQuote Auto Insurance Quotes: 0.6/5

EverQuote.com is one of the biggest lead generators in the insurance space. 

PROS
  • Unavailable


CONS
  • It doesn't provide any quotes or added value, just car insurance ads, even very few ad options
  • Long and exhausting form filling that doesn't end up with any quotes, only with ads, they then sell your information as a lead to anyone that buys it from them, beware

BEST FOR: Drivers who want their lead information sold to auto insurance carriers and agents through EverQuote.
ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Poor
EaseFair

Insure.com Review: 0.8/5

Similar to CarInsurance.com, Insure.com is another comparison site owned by leading online digital company QuinStreet Inc. 

PROS
  • User-friendly interface


CONS
  • Much like its sister company, CarInsurance.com, Insure.com doesn't provide rates but gives back car insurance ads after filling in their detailed form, which is then sold as a lead to their partners, which will contact you

BEST FOR: Same as EverQuote's.
ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Poor
EaseGood

Insurify Car Insurance Quotes: 4.4/5

Insurify.com is a highly innovative insurance start-up and comparison site. 

PROS
  • Fills in your vehicle information based on a photo of your license plate!
  • Provides an intelligent chatbot throughout the quoting process and customer support
  • Utilizes its great technology to match you based on your individual risk profile to carriers its AI thinks is best for you
  • Has direct partnerships with leading insurers (provided results from over ten insurers)
  • Claims to save $489 per year on average


CONS
  • Less comprehensive when it comes to post quoting, aka the purchase process

BEST FOR: Comparing auto insurance quotes from large, leading car insurance companies
ParameterRating
TypeInsurance Agency
Online quotesYes
ScopeGood
AccuracyGood
Speed Excellent
EaseGood

NetQuote Car Insurance Quotes: 2.6/5

NetQuote.com is one of the longest established lead-generation type comparison sites. 
Their lead form consists of 5 stages: vehicle, drivers, coverage, incidents, and contact information. Very user-friendly and to the point. After filling up the information, we received online ads. No accurate quotes. They also sell your lead information to their company and agent partners, who then get in touch with you to give you offers based on this information.

PROS
  • It covers other insurance types
  • Complete one user-friendly form for multiple quotes


CONS
  • Be ready to receive LOTS of calls as such sites sell your lead information to whoever pays for them

BEST FOR: Those who want to receive direct calls about car insurance rather than get it done online
ParameterRating
TypeLead Generation
Online quotesNo
ScopeFair
AccuracyPoor
Speed Excellent
EaseExcellent

PolicyGenius Car Insurance Quotes Review: 4.6/5

PolicyGenius.com is one of the fastest-growing, independent comparison sites and works in partnership with CoverHound. 
PolicyGenius brings an innovative, user-friendly approach to online car insurance quote shopping and comparison.

PROS
  • A fresh, innovative approach
  • Easy to use


CONS
  • Not auto insurance-focused, offering all types of insurance

BEST FOR: Bundle discounts
ParameterRating
TypeComparison Site & Insurance Agency
Online quotesYes
ScopeGood
AccuracyGood
Speed Excellent
EaseExcellent

Quote.com Car Insurance Quotes: 2/5
Quote.com claims to provide insurance quotes from leading carriers. However, a lead generation website collects your information and matches you with its partners in real life.
After filling out their online form several times with different information, we only received two matches online of the same two leading carriers with no accurate quotes, claiming that 15 others were "below rate threshold". Upon clicking through, we were referred to their websites with the entered information pre-filled on their website, so we just had to fill out a bit more required information to get an actual quote.

PROS
  • Intuitive and easy to use the form

CONS
  • Only matched us with two carriers online with no accurate quotes

BEST FOR: Form ease of use
ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Excellent
EaseExcellent

QuoteWizard Car Insurance Quotes: 2/5

QuoteWizard.com claims to compare carrier and agent rates nationally and locally. Lending Tree owns it. Its review is identical to that of Quote.com as it provides the exact experience.

PROS
  • Friendly interface

CONS
  • Matched us with one result without an online quote

BEST FOR: Friendly interface for form filling
ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Excellent
EaseExcellent

The Zebra Car Insurance Quotes: 3.2/5

Zebra insurance quotes promise insurance in black and white, hence the name! 
In real life, their user experience is excellent for collecting the information and required coverage details. However, receiving only one actual priced quote was disappointing, with four other options practically ads within their top 5 quotes.
After scrolling down to look at other results, five other actual-priced quotes weren't cheap at all.
When clicking on one of the results, we were transferred to the partner company's website with the information pre-filled, yet our real-life quote at the partner website was almost double the zebra car insurance quotes.
The average car insurance cost we got through The Zebra was $120 per month.

PROS
  • Simple to use, friendly interface

CONS
  • It doesn't always show actual quotes, and when it does, it wasn't accurate

BEST FOR: User-friendliness

ParameterRating
TypeComparison Site / Agency
Online quotesInconsistent
ScopeGood
AccuracyPoor
Speed Good
EaseExcellent

Auto Insurance Quotes via Agents and Brokers: 3.9/5

One of the greatest disadvantages of the Internet is that it's made us forget the value, pleasure, and security of doing business face to face. You can use your computer to get cheap car insurance quotes online or make a call on your phone. But, sometimes, nothing beats the experience of a good old-fashioned personal business relationship.

Using a broker or an agency to get free car insurance quotes sometimes offers many advantages over buying car insurance online. Yes, the process usually takes a little longer, particularly initially, but over time, you may find that using a broker or agent will save you time.

Before going any further, it's essential to explain the difference between an insurance broker and an insurance agent. A broker is fully independent and can recommend solutions from any insurance company that allows brokers to sell their policies. In that respect, the broker is working for you, the buyer. They make their money through commissions or fees on the products they sell.

An agent, on the other hand, is an extension of the insurer. A captive agent typically represents one or two companies, whereas an independent agent works on behalf of multiple insurers. Some captive agents are salaried, but for the most part, agents also make their money through commissions or fees on the products they sell. By the way, both brokers and agents should provide you with details of their commission structures on any products they sell.

But regardless of commissions and fees, both brokers and agencies are insurance experts. It's their business to know about all the policy options, latest offers, and new product developments. They know the auto insurance market inside out, and you can benefit directly from their experience. They'll take the time to talk to you so they fully understand your exact needs and can then recommend affordable auto insurance that suits you down to the ground.

There's more. The advice they offer is impartial, and because of their wide knowledge and experience, they'll often recommend companies or deals that you didn't even know existed. Brokers and agents also offer proactive advice and are on hand to provide expert assistance in the event of a claim. If you're a people person who wants a quality auto quote, an agent or broker is the way to go.

Having listed all the advantages of using an agent or broker, are there any downsides? The answer is a coded yes. The most obvious drawback is that using a broker typically takes up more of your time. 

By going online, on the other hand, you can compare cheap auto insurance quotes online at the click of a mouse. Using an agent or broker is a more drawn-out process, although that's not necessarily a problem for many people.

But there's also another potential issue. When choosing an agent or broker, you want to make sure that you get a good one! As with any line of work, there are highly professional insurance brokers and agents out there, but some are not so good. You can make your judgments, but in our experience, the best idea is to ask people you know for a personal recommendation.


PROS
  • You can benefit directly from their expertise and market knowledge
  • Choice of coverage from many different companies
  • The personal touch

CONS
  • It takes time, plus the risk of choosing a dud broker or agent
ParameterRating
Time1
Online2
Phone5
Face to face5
Rates5
Coverage5
Choice5
Speed3
Savings5
All States3
High Risk5
Ease3


Direct Car Insurance Quotes via Insurers: 3.7/5

When looking for free auto insurance quotes, one of the best ideas is to contact insurance providers directly. Although you could use one of the price comparison sites to look for cheap car insurance online, there are some disadvantages. Firstly, some insurers don't feature on such sites, and secondly, specific deals are only available if you go direct.

Of course, the biggest downside to contacting companies directly is that it takes a lot of time and effort on your part. The attraction of finding a great deal by going direct rather loses its appeal when you have to repeat all your details for the 15th time!

That said, you can be smart and short circuit the process. How so? By asking your friends, family, and colleagues who they use for their auto insurance. Their advice will be based on real-life experience and is guaranteed to be impartial. Armed with their recommendations, it's much easier to draw up a more focused target list of companies to contact.


PROS

  • Often, you can get the best deals by going direct
  • You're not paying commission to a broker or online site
  • Greater choice and flexibility on policy options


CONS

  • It takes a lot of effort on your part to contact every single company
ParameterRating
Time1
Online5
Phone5
Face to face3
Rates5
Coverage3
Choice1
Speed5
Savings5
All States5
High Risk5
Ease1


Direct Car Insurance Companies Comparison

We've selected some of the best car insurance companies and providers in America and compared them on our range of metrics. Here's our review of getting direct car insurance quotes from the best, cheap auto insurance companies.


AAA Auto Insurance Quotes: 4/5

AAA (American Automobile Assurance) doesn't provide insurance but offers some great auto insurance policies via its partners. To read reviews and apply for AAA auto insurance quotes, visit AAA Insurance.
Average car insurance cost per month: $100

PROS

  • Great personal service
  • Some useful additional benefits
  • Very competitive rates for AAA members


CONS

  • Insurance is provided via a third party
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates5
Coverage3
Choice3
Speed5
Savings5
All States3
High Risk3
Ease3

Allstate Auto Insurance Quotes: 4.3/5

Allstate is one of the top 4 auto insurance companies in America. To apply for your Allstate auto insurance quote, visit Allstate.
Average car insurance cost per month: $110
Read more: How much is Allstate car insurance cost?


PROS

  • Super local service via agents
  • Great range of auto insurance policies
  • It covers all your insurance needs


CONS

  • Quality comes at a price
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice2
Speed5
Savings3
All States5
High Risk3
Ease5

Amica Auto Insurance Quotes: 4.5/5

Amica is America's longest established mutual insurer of automobiles. To apply for your Amica auto insurance quote, visit Amica.
Average car insurance cost per month: $100

PROS

  • Fantastic customer service
  • Excellent choice of auto insurance policies and coverage options
  • Still a mutual


CONS

  • Not available in all states
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice5
Speed5
Savings5
All States3
High Risk5
Ease4

ClearCover Car Insurance Quotes: 3.8/5

ClearCover is one of the newer players on the market and has a great technology focus. To apply for your ClearCover auto insurance quote, visit ClearCover.
Average car insurance cost per month: $55

PROS

  • Great for techies!
  • Competitive car insurance rates
  • Innovative approach


CONS

  • Not available in all states
ParameterRating
Time5
Online5
Phone5
Face to face1
Rates5
Coverage3
Choice1
Speed5
Savings5
All States3
High Risk3
Ease5

Costco Ameriprise Car Insurance Quotes: 3.7/5

American Family Insurance provides Costco Ameriprise for Costco members. To apply for a Costco Ameriprise auto insurance quote, visit Costco.
Average car insurance cost per month: $86

PROS

  • Excellent rates and savings
  • Standard coverage is generous
  • Additional benefits for members


CONS

  • Online experience on both website and app could be better
ParameterRating
Time3
Online3
Phone5
Face to face1
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease3

Farmers Car Insurance Quotes: 3.7/5

Farmers is one of the top ten providers of car insurance in America. To apply for your Farmers auto insurance quote, visit Farmers.
Average car insurance cost per month: $125

PROS

  • Wide range of customizable products
  • Excellent local presence
  • Good one-stop-shop


CONS

  • Quality of customer service can depend on how good your agent is
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates3
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease4

Freeway Car Insurance Quotes: 3.7/5

Freeway Insurance is America's largest privately-owned insurance distribution company. To apply for your Freeway Insurance auto insurance quote, visit Freeway Insurance.
Average car insurance cost per month: $100

PROS

  • Wonderfully easy to use website
  • Low rates
  • Good for high-risk drivers


CONS

  • Charge a fee for their services, plus the coverage is via a third party
ParameterRating
Time5
Online5
Phone5
Face to face3
Rates5
Coverage3
Choice5
Speed5
Savings5
All States3
High Risk5
Ease5

GEICO Car Insurance Quotes: 4.5/5

GEICO is the 2nd largest provider of auto insurance in America. To apply for your GEICO auto insurance quote, visit GEICO.
Average car insurance cost per month: $50

More: Find out how much is GEICO car insurance cost.

PROS

  • Trusted brand
  • Excellent customer service
  • User-friendly website and app
  • Great rates

CONS

  • Only available direct


BEST FOR: Cheap car insurance rates

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease5

Liberty Mutual Car Insurance Quotes: 3.5/5

Liberty Mutual is one of the biggest and longest-established auto insurance companies. To apply for your Liberty Mutual auto insurance quote, visit Liberty Mutual.
Average car insurance cost per month: $150

PROS

  • Outstanding online experience via website and apps
  • Will consider high-risk drivers

CONS

  • Not the best rates we found
  • Only available direct
  •  Denies too many claims 
  • Customers complain about bad customer service


BEST FOR: Teen drivers

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates1
Coverage3
Choice1
Speed3
Savings1
All States5
High Risk4
Ease5

Mercury Car Insurance Quotes: 3.9/5

Mercury is one of the best providers of low-cost car insurance. To apply for your Mercury auto insurance quote, visit Mercury.
Average car insurance cost per month: $70

PROS

  • Affordable rates
  • Good for military families
  • Wide range of discounts

CONS

  • Coverage is fairly basic compared to some competitors
  • Only available in a limited number of states


BEST FOR: Low-maintenance drivers who seek cheap car insurance rates on very basic coverage.

ParameterRating
Time4
Online5
Phone5
Face to face5
Rates5
Coverage3
Choice1
Speed5
Savings5
All States1
High Risk3
Ease5

MetLife Car Insurance Quotes: 4.4/5

MetLife has been providing insurance services to customers since 1863. To apply for your MetLife auto insurance quote, visit MetLife Insurance.
Average car insurance cost per month: $130

PROS

  • Reasonable rates via workplace affiliations
  • Great range of policies and options
  • Trusted brand

CONS

  • Customer service can be patchy at times


BEST FOR: New auto owners.

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates3
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease5

Nationwide Car Insurance Quotes: 4.3/5

Nationwide is one of the top 10 car insurance companies in America. To apply for your Nationwide auto insurance quote, visit Nationwide.
Average car insurance cost per month: $120

PROS

  • The online quote tool is really good
  • Some nice add-ons, perks, and additional resources
  •  Easy to do business with

CONS

  • Some policies lack flexibility


BEST FOR: Drivers with poor credit.

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates2
Coverage3
Choice1
Speed5
Savings5
All States5
High Risk5
Ease5

Progressive Car Insurance Quotes: 4.8/5

Progressive is the 3rd largest car insurance provider in America. To get your Progressive auto insurance quote, visit Progressive.
Average car insurance cost per month: $63

Read more: How much is Progressive car insurance cost.

PROS

  • Excellent coverage as standard
  • Unbelievable choice of options
  • Brilliant range of online resources, including the quote tool

CONS

  • Not the best for high-risk drivers


BEST FOR: Setting fantastic standards for any coverage.

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice5
Speed5
Savings5
All States5
High Risk3
Ease5

Root Car Insurance Quotes: 3/5

Root is a new and innovative player in the car insurance market that bases its rates on driver behavior and rewards good drivers through an AI-based app that tracks your driving. To download the app and apply for your Root auto insurance quote, visit Root Car Insurance.

Average car insurance cost per month: $65

PROS

  • Low rates
  • Rewards safe drivers
  • Some excellent benefits included roadside assistance

CONS

  • Quote process is slow and requires a test drive for several weeks where the Root app's AI measures your driving habits initially
  • Doesn't accept bad or high-risk drivers to maintain a high quality
  • Not available in all states 


BEST FOR: Cheap car insurance rates and Millennial drivers looking to become better drivers and get rewarded for it with even better rates!

ParameterRating
Time1
Online5
Phone3
Face to face1
Rates5
Coverage3
Choice3
Speed3
Savings5
All States1
High Risk1
Ease5

Safe Auto Insurance Quotes: 3.5/5

SafeAuto specializes in providing car insurance to customers who may not source it elsewhere, such as high-risk drivers. To get a Safe Auto car insurance quote, visit Safe Auto.

Average car insurance cost per month: $110

PROS

  • Flexible coverage is available
  • Good for high-risk drivers

CONS

  • Customer service is not always the best


BEST FOR: High-Risk Drivers.

ParameterRating
Time4
Online3
Phone3
Face to face3
Rates3
Coverage4
Choice2
Speed5
Savings5
All States3
High Risk5
Ease3

State Farm Car Insurance Quotes: 4.5/5

State Farm is the number one provider of car insurance in America. To get your State Farm auto insurance quote, visit State Farm.
Average car insurance cost per month: $52

Read more: How much is State Farm car insurance cost.

PROS

  • Top brand
  • Personalized service
  • Great coverage
  • Cheap rates
  • Mutual

CONS

  • Not enough choice of coverages
  • Not the ideal company for high-risk drivers


BEST FOR: Drivers who want to be on the safe side and seek the peace of mind that there is a reliable company behind them, that they are well covered and get good service

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease5

Travelers Car Insurance Quotes: 4.5/5

Travelers is a long-established, top 10 company in car insurance. To get your Travelers auto insurance quote, visit Travelers.

Average car insurance cost per month: $100

PROS

  • Excellent multi-policy discounts
  • Easy to tailor your policy
  • Trusted brand

CONS

  • Certain features not available in some states


BEST FOR: Drivers who require an affordable car insurance policy that's tailored to their specific needs from a trusted company.

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States3
High Risk5
Ease5

USAA Car Insurance Quotes: 4.75/5

USAA is the leading provider of insurance to military members, veterans, and their families, known for its excellent rates and reliability. To apply for your USAA auto insurance quote, visit USAA.
Average car insurance cost per month: $35

Read more: How much is USAA car insurance cost.

PROS

  • Great deals for military personnel and their families
  • Excellent reputation for customer service
  • Useful additional benefits
  • Among the cheapest car insurance quotes

CONS

  • Not open to non-military customers


BEST FOR: Military members, veterans, and their families.

ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice3
Speed5
Savings5
All States5
High Risk4
Ease5

Compare Cheap Car Insurance Quotes Online

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Direct Car Insurance Quotes Comparison: Companies & Rates

CompanyInsuranks ScoreAverage Monthly QuoteBest For
Progressive4.8/5$63Coverage standards and high risk drivers
USAA4.75/5$35Military people and their families
GEICO4.5/5$50Cheap car insurance rates
State Farm4.5/5$52Peace of mind
Amica4.5/5$100Customer satisfaction
Travelers4.5/5$100Tailored car insurance policies at affordable rates
MetLife4.4/5$130New car owners
Nationwide4.3/5$120Poor credit
Allstate4.3/5$110Customer service & coverage options
Erie4.1/5$87New drivers
Root3/5$65Low rates; Millennials looking to get rewarded for improving as drivers
Mercury3.9/5$70Basic coverage rates
ClearCover3.8/5$55Technology-centric car insurance
Farmers3.7/5$125Teenagers and young drivers
Freeway3.7/5$100High risk drivers, Spanish speakers & SR22
Costco Ameriprise3.7/5$86Discounts
Safe Auto
3.5/5$110High risk drivers

Check out our review of the best and cheapest car insurance companies of 2021.

Car Insurance Quotes Comparison Guide: Wrapping it up

Whether you buy your car insurance direct, online, or broker, each approach has advantages and disadvantages. Which route works best for you depends on your specific needs, technical skills, time constraints, and whether you value service and personal touch over cheap car insurance rates and discounts. We hope the insights here help you make the best choice for yourself regarding comparing auto insurance quotes to get you on the road fast, protect you well and fit your budget. You are, of course, invited to use our car insurance quotes comparison tool to connect with great auto insurers, find information about them, read customer reviews and get the best car insurance coverage for you.


Car Insurance Quotes Comparison MethodInsuranks Score
Comparison Sites4.2/5
Agents & Brokers3.9/5
Direct 3.7/5


Comparing Auto Insurance Quotes and Perks

Comparing auto insurance quotes will give you a more comprehensive view of your options. Well, a wide variety of choices will easily overwhelm you at first. Your decision-making may get clouded, but you have to decide on an insurance product and company that fits you. 

Some insurance companies would bombard you with attractive options, even discounts or freebies. However, you must dismiss that "halo effect" and decide what car insurance coverage matches your actual needs, budget and profile. 

Rates would also differ because it depends mainly on certain factors such as credit history, age, gender, car type and value, driving record, location or ZIP code, number of miles per year, state, and a whole lot of other factors. 

With that in mind, it would be impossible to compare the quotes of a 20-year-old male from Hawaii with the auto insurance prices a 60-year-old female driver from Michigan would receive. Many variables would be counted in to determine the auto insurance rates for a specific client or individual. 

When comparing rates, after making sure you have all your needs covered, check the company's average score, as well as car insurance promos or discounts that you may qualify for. Once you have shortlisted some of the best car insurance companies that have the right auto insurance coverage, products, rates, and ratings, you should do a background check and read some reviews and ratings that other customers have left on their company page.

This will help you gain a more refined or realistic perspective of what the company can offer and treat its clients and policyholders. While the advertising mumbo jumbo can reel you into a company's offers, feedback from real users would give you a fresh and real-time perspective on the credibility, performance, service, coverage, and trustworthiness of an auto insurance company. 

When shopping for car insurance, you are most likely to choose a titan in the industry or a reputable, large, well-known auto insurer. Well, this makes sense. After all, you would want to invest in a company that has earned its stripes in the industry. A company's staying power has a lot to say about its resilience, financial strength, and relevance in the market. It is assumed that large-scale auto insurance companies are sometimes more resilient and more likely to afford to pay your claims. But this is not always true, and this is why you should check a company's online reputation and reviews by their customers ahead of choosing it.

On the other hand, some perks follow through by signing up with a smaller car insurance company. These startups can offer a fresh, modern, digital, and customized service to their clients because the young blood in the industry tends to bring innovation and personalization first in their roster of services, along with other things. 


Car Insurance Quotes Comparison Tips

  • Dig up more information on this website about car insurance companies and understand their online reputation. Read customer reviews, ratings, and testimonials online and observe how their customers have experienced them. This reveals a lot about the company's overall experience and reliability. 

  • Check on your state's insurance department to determine the car insurance type mandated by law. In general, most states would require liability insurance and minimum coverage for property damage and bodily injury.

  • Ask for recommendations and referrals from family and friends regarding auto insurance companies and agents. Word-of-mouth remains a powerful determining factor when deciding on what car insurance company to trust.

  • Get maximum auto insurance quotes from as many different companies as possible: Request product brochures and quotes from different insurance companies through this website or a local agent/agency and then compare them one by one. You want all of the options on your table before making such an important decision. What's the rate? What does it cover? How reputed is the company? Pay more attention to the little details such as payment options, deductibles, exclusions, discounts, and hidden fees. 

  • Make a shortlist of your preferred car insurance providers, quotes, and offers and then verify their legitimacy and licensure with your state's insurance department.

  • Take note of some questions you might have about the car insurance coverage and other details. Ask car insurance company representatives and/or agents if your credit history would affect rates in different companies, if the coverage would cover rental cars when traveling, or if speeding ticket/driving history would affect the premium.

  • Prioritize paying your premiums on time. Non-payment of premiums could result in a lapse in your vehicle insurance coverage. There are auto insurance carriers who would offer direct withdrawal from your checking account to prevent lost coverage.


How to Get the Cheapest Car Insurance Quotes

Some factors that are out of your control determine your car insurance quotes, like your gender and age. However, you have total control of a couple of factors, like your credit score, driving record, mileage, type or brand of car, and the amount of car insurance coverage. 

Basically, your car insurance cost would depend on the risk factors auto insurance providers take into account. So, they would want to weigh in on the probability that you'll be filing claims on your car insurance. 

To get the cheapest car insurance quotes, you must research and compare quotes from different car insurance companies. At the beginning of this guide, we provided a list of inexpensive car insurance companies with an average car insurance cost of $100 per month or less and their rating. This list should help you look into the car insurance providers that combine that good match of affordability with excellent customer service. 

You also have to check on your credit report and driving record to ensure it's clean and in good standing. A car insurance company would assess your likelihood of getting into an accident and filing claims. So, if you have citations for DUI, incurred accidents, or other driving violations, you will be considered a high-risk client and would have higher insurance rates than someone who has a clean driving record and high credit score. 

If you're a safe driver, several car insurance companies would give you discounts for that, plus also get lower rates over time. An app is used to monitor and assess your driving behavior, which will be the basis for discounts.

Also, if you happen to have a costly car repair and mechanical breakdown car, then your car insurance rates would also increase. However, with older cars, your car insurance company could give you discounts or a reduction in prices. 

Choosing the lowest amount of auto insurance coverage also helps you save on your car insurance fees. You may also opt to choose a higher deductible, which translates to less risk for your auto insurance company and minimal costs for you. 

Another option to get cheap auto insurance quotes is to take advantage of your company's auto insurance discounts. Discounts such as paperless billing, good student discounts, multi-policy discounts, and multi-car discounts will give you more savings on your auto insurance fees.


What is Car Insurance? 

Car insurance is a contract between you and an auto insurance company. In exchange for a premium, the company covers the potential cost of possible damages and financial loss resulting from driving and vehicle ownership. 

We've all been there, accidentally bumping into a car while trying to back into a parking spot, stopping short, and getting rear-ended… the list of car accident possibilities is seemingly endless. But one thing is for sure, getting the damage fixed can be incredibly costly if you are not covered! 

such as bodily injury and property damage, the two main facets that auto insurance policies cover)

If you're reading this right now, then the chances are that you've been wondering how to choose car insurance, or you're wondering exactly what does car insurance covers. Here, we're going to give you a quick crash course in car insurance. Below, we'll discuss the following:

  • What does car insurance cover?

  • The difference between basic liability and full coverage insurance. 

  • The difference between at-fault and no-fault states. 

Don't forget to bookmark this article and share it with your friends and family! 

What Does Car Insurance Cover?

The law requires all drivers to maintain an auto insurance policy while driving a vehicle on public roadways. While this may seem a bit unfair, you also have to consider that we're living in America where two truths are evident:

  • Medical and hospital costs are incredibly high. 

  • Cars and automobiles are costly. 

Without insurance, a small two-driver car crash with no fatalities can easily cost the two drivers upwards of $15,000 or more after paying for medical bills and vehicle repairs! The average cost for an ambulance ride alone can be upwards of $300 per mileRepairing the front-end on a car can easily cost $2,000 to $3,000, not including anything else that may have been damaged. 

Car insurance ensures that drivers only have to pay a small amount out of pocket in the event of an accident. This is known as your deductible. For example, if you have a $1,000 deductible and sustain $8,000 worth of damages to your car, then you'll pay $1,000, and your insurer will pay the remaining $7,000 (if you're at fault, that is). 

Car insurance also ensures that the other driver is covered as well. For example, if you're found at fault and crash into somebody else, your insurance will pay for their medical bills so that you don't have to face a lawsuit and pay for their medical bills out of pocket. 

We suggest you take a minute to think about your risk as a driver to the car insurance company. 

  • Are you a new driver? 
  • Living in a place with lots of potholes? 
  • Driving an old car? 
  • Or maybe just a bad driver? 

All of this impacts your auto premiums. This shouldn't deter you, however. The cost of a car accident is still much higher!!

Car accidents cost the United States about $231 billion every year. Yes, you read that right. And accidents usually cost in the thousands. That's why being covered is so important and mandatory in most states. 

Your policy will have liability coverage limits. In auto insurance, this limit is usually broken down into three components:

  • The maximum amount of money the insurance company will spend on your injuries
  • The maximum amount of money the insurance company will spend on people you injure
  • The maximum amount of money the insurance company will spend on property damage

Be sure to know what the liability limits are on your auto insurance plan.

While there are different levels of auto insurance, they are typically broken down into two basic categories:

If you're wondering what does car insurance covers for each type, keep reading to find out. 

Basic Liability Policy

Basic liability is a broad term that infers that the policyholder is covered for the state-mandated insurance minimums. Each state has laws that regulate how much coverage each driver must be insured for, which you can view here. You'll generally pay more for coverage in states that have a high percentage of automotive accidents and less in states with a lower percentage of accidents. 

Basic liability insurance typically doesn't cover your personal costs. It just pays for the other drivers' costs. If you're driving an older vehicle or drive in a rural town where accidents are sparse, then these policies can save you money compared to a full coverage policy. 

Here's what they typically include. 

Bodily Injury Liability Coverage

Pays for the other driver's medical bills and compensation (if you're at fault). Read more about bodily injury liability insurance.

Property Damage Liability Coverage

Pays to repair the other driver's vehicle (if you're at fault). Read more about property damage liability insurance.

Personal Injury Protection (In No-Fault States)

There are currently twelve "no-fault states" where drivers must pay for their medical bills. In these states, drivers must have personal injury protection (PIP) coverage added to their basic liability policy to cover the costs of any injuries sustained in an accident.  Read more about PIP insurance.

Full Coverage Policy

Full coverage policies are designed to be all-inclusive and cover almost everything that could happen to your vehicle. These policies are usually double or triple the cost of a basic liability policy, but they're worth it if you have a newer vehicle and want to protect your investment. Read more about full coverage insurance.

Basic Liability 

Full coverage includes all of the basic liability coverages listed above that cover the other driver's vehicle and medical bills. Read more about basic liability car insurance.

Collision Coverage

Covers repairs to your vehicle, even if you're at fault. Read more about collision insurance coverage

Uninsured/Underinsured Driver Coverage

It covers your repairs and medical bills if you're hit by somebody who doesn't have insurance or who doesn't have enough insurance to cover your costs. Read more about uninsured/underinsured driver clause coverage.

Comprehensive Coverage

Covers against non-collision accidents such as:

  • Theft

  • Fire, flooding, hail, snow, etc. 

  • Running into an animal

  • Falling debris

  • Losing control of the vehicle

  • Tire blowout, brake/engine failure

Read more about comprehensive insurance coverage.

"GAP" Insurance

If you financed your vehicle and it's declared a "total loss" by the insurance company, GAP insurance pays off the remainder of your auto loan. Read more about the best GAP insurance.

Rental Coverage

It covers the cost of renting a vehicle if your car is getting repaired or declared a total loss.

Auto Insurance Types and Coverage Options

To explore the various auto coverage options and types, read these guides: 

Do I Need Car Insurance?

Yes, you do. A valid car insurance policy is required by law in 49 out of 50 states and DC. The only state where car insurance is not required by law is New Hampshire. Still, you must be able to prove that you can afford to cover the damages in case an at-fault accident occurs, which can cost thousands upon thousands of dollars, to meet New Hampshire motor vehicle financial responsibility requirements. So even if car insurance is not mandatory in New Hampshire, it is smart to have car insurance anyway, as not having it may cost you much more.


Top 4 Factors That Affect Car Insurance Quotes

Remember that in America, insurance companies are businesses. This means that they have a bottom line to maintain and will profit, no matter how many payouts they have to give out. This is part of the reason why policies are so complicated to understand. Every insurer has to make sure that they are covered to not lose money because of covering you.

That said, here are the top factors that affect car insurance rates

Age

The younger you are, the more you'll usually pay. Teen drivers and drivers between 20 and 24 are the most expensive to insure, while older drivers tend to get a more affordable rate. Here is the cheapest car insurance for teens and young drivers and the cheapest cars to insure for teenage drivers.

Driving Record

The cleaner your driving record is (no accidents, traffic tickets, tax liens), the better of a deal you'll get. The worse your record is, the more you'll pay. SR-22 insurance is the most expensive and is given to those who've had reckless driving charges or were previously charged with a DUI.

Type of Vehicle

The more expensive your vehicle is, the higher your insurance will be. Sports cars also tend to be more costly to insure since they're of higher speed that is more likely to result in a car accident or speeding ticket. Here are the cheapest cars to insure. You can also explore the insurance costs of Honda CivicBMWMustangTeslaLamborghini, and Dodge Charger, as well as other vehicle types, throughout the website.

City/State you Live in

If you live in a state where accidents aren't very common, you'll save on your auto insurance. However, if you live in a state where accidents are more prevalent, you'll pay more for car insurance. Here are the states with the cheapest car insurance rates.


Is it Safe to Buy Car Insurance Online?

Generally yes, you can safely buy car insurance online and it is recommended by the National Association of Insurance Commissioners in order to get lower rates through good car insurance quotes comparison. 

However, as you are sharing important information when buying car insurance online such as your social security number, which insurers need to check your driving record, it is recommended to follow these safety tips to reassure your online safety when buying car insurance:

  • Make sure you buy on a secure website with a high level of encryption
  • Make sure you are using a browser with a high level of encryption - normally the latest versions of Google Chrome, Safari, Firefox and Explorer will do
  • Carefully check their reviews
  • Avoid spam sites
  • Use a credit card or a secondary debit card, since it offers identity theft protection - just make sure that there are no fraudulent charges on the card
  •  Check the insurance company's security and privacy pages



What's Next?

  • Make a list of your needs. What are you looking for? What is not important to you? Which of the auto insurance plan types best suits your needs?
  • Determine your risk based on the factors we discussed. 
  • Compare a maximum amount of quotes, companies, and plans, to ensure that you have all of the options on your table and that you only find the best, most affordable, and reliable car insurance near you that is the most suitable for you and your needs.
  • Don't hesitate to reread this page and go through other car insurance-related resources that are linked below. Education is key when it comes to auto insurance!

To sum up, driving and vehicle ownership can be fun and exciting. For many, a vehicle can reduce the time spent commuting to work or allow individuals to travel more flexibly around a town, city, state, and even a country. 

Vehicle ownership is liberating - let's keep it this way by driving safely, avoiding car accidents, and having the best coverage for any unexpected financial expenses.

And now that you're well aware of the bigger picture, it's time for you to purchase the best car insurance online through a proper comparison.

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References

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Auto Insurance Updates

The Cheap And Best Full Coverage Auto Insurance

2021-09-24 08:56:00

Who doesn’t like saving money? Here's your guide to cheap full coverage auto insurance.

agencyheight.com

The Cheap And Best Full Coverage Auto Insurance

2021-09-24 08:56:00

Who doesn’t like saving money? Here's your guide to cheap full coverage auto insurance.

agencyheight.com

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