How To Save On Your Car Insurance

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Thanks to the internet, shopping around for auto insurance quotes is now a relatively easy process. All of the top insurance providers in the United States now have programs which allow you to enroll in automobile insurance easily, online, through the comfort of your home. There are also many free websites out there that offer free auto insurance price comparison services. But with all those choices out there, how do you know which service to use? What is the best way to begin finding insurance rates from different companies?

We understand your needs. You want to be able to find a reliable, affordable company that will protect you and your family in the event of an accident. You need to find a company that offers the right about of coverage for you… a company that won’t run away and hide when you go to file a claim. With that being said, who should you go with? Here at, we are committed to helping our users find car insurance at a price they can afford. By using our free insurance quote box at the top of this page, you will be matched with the top insurance providers who will all offer you price quotes.

Comparing Auto Insurance Quotes

The insurance comparison tool is a very useful program in that it helps connect consumers with insurance policies suited to their needs. By entering your zip code at the top of this page, you will be brought to a questionnaire asking about your vehicle and your auto insurance needs. After completing this brief three page form, you will then be contacted by insurance companies eager for your business.

This easy three part questionnaire is the hardest part of a relatively painless auto insurance shopping process. You will enter some basic information such as your vehicle make and model, it’s primary use, your desired coverage, and your basic personal information. Once you’re done filling this form out, you can leave the hard part to us. After you submit this information, we will send it over to all of the top insurance providers and have them start fighting for your service. By having insurance companies compete for your business, you win. This is how we are able to guarantee the cheapest auto insurance rates possible.

When you shop with us, you will be receiving quotes from reputable companies such as: Nationwide, 21st Century, Farmers, Esurance, and Allstate.

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How Are Your Auto Insurance Premiums Determined?

After you complete our brief questionnaire, insurance agents will look at a number of factors in order to calculate your auto insurance quotes. These factors include, but are not limited to:

  • Driving record – Have you been in any accidents that were your fault? Do you have a lot of speeding tickets or other traffic violations?
  • Vehicle history – Has you vehicle been in accidents before? Does it break down a lot? How often does it need maintenance?
  • Primary use of the vehicle – Will you be commuting long distances every day or will you just need to use the car every now and then to buy groceries?
  • What area you live in – Is your neighborhood notorious for vehicle thefts and car accidents? Or do you live in a safe and quiet community?
  • Your credit score – Have you missed insurance bill payments in the past? What does your credit score look like?

After insurance companies look at all of these factors (and others) and calculate your risk potential, your quote will be determined. Don’t be worried if you get an expensive insurance rate to begin with, there are many ways you can decrease your premiums over time. There are also many discounts you can take advantage of.

After Receiving Your Insurance Quote

As you have probably learned by now, the cheapest isn’t always necessarily the best. Also be aware that the largest, most well known auto insurance companies aren’t necessarily the most reliable. After receiving your price quotes, don’t rush into a decision. Although we will help you compare auto insurance price quotes, it should be your job, as a consumer, to review and compare auto insurance companies.

When reviewing auto insurance companies, here are some things you should be asking:

  • Do they receive good consumer reviews and testimonials?
  • Are they reviewed highly by trusted consumer publications?
  • Do they have high quality customer support?
  • What is their claim filing process? Is it simple or complicated?
  • Do they have any complaints in the Better Business Bureau?
  • What do your friends and family say about them?

When you have found the company you want to purchase from, talk to your agent to determine how to get your vehicle insured ASAP. Don’t worry – the insurance companies we work with all make the new member sign up process as simple and headache free as possible.

Ready to start saving money on your car insurance?

If you are ready to start saving on your auto insurance, scroll back up to the top of this page and enter your zip code to begin. If you feel like you still need to do some more research, please browse around this website. Our blog and learning center contains hundreds of articles, reports, and research on auto insurance. You are guaranteed to find what you are looking for there. For those of you who are ready to begin, well, what are you waiting for? Enter your zip code at the top of this page – your journey to auto insurance savings begins now!

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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