How to Find Free Auto Insurance Quotes (2024)

Many drivers find the cost of auto insurance frustratingly high. In order to find the most beneficial and affordable car insurance policy, it is recommended that you compare rates from at least three different companies before you buy.

Shopping around for auto insurance can help you save up to $800 a year. Compare auto insurance online with our FREE comparison search!

Understand Your Insurance Needs

The first step in finding cheap auto insurance is to check the minimum auto coverage requirements in your state.

Drivers are usually required to carry minimum levels of liability and personal injury protection insurance.

Uninsured/underinsured motorist coverage is required in some states. It is advisable to buy additional coverage even if you are on a tight budget.

Before you buy car insurance, conduct a cost-benefit analysis. If your vehicle is only worth $1,500, it doesn’t make sense to pay for collision or comprehensive coverage.

General recommendations for liability insurance limits are $100,000 for all people injured in an accident and $50,000 bodily injury liability for one person injured in a car accident.

 

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Review Your Current Insurance Policy

Millions of people use the same insurance company for years. Many of them are paying over the odds for car insurance. Take a few minutes to evaluate the amount of coverage you have now.

Consider the yearly and monthly cost of your policy. Contact your insurance provider and try to negotiate.

Auto insurance rates vary drastically from one company to the next. You can save hundreds of dollars a year simply by switching to a new insurer.

Compare Free Auto Insurance Quotes

Try to get at least five car insurance quotes from multiple carriers. Some drivers prefer to compare free auto insurance quotes online, while others go shopping the old fashioned way.

Make sure you get as many offers as you can. Statistics indicate that shopping around for car insurance at renewal time can help you save as much as $200 on your policy.

Many insurance companies offer discounts to customers who buy coverage online because the applications are cheaper to process.

By filling in one form you can get over 150 free auto insurance quotes from leading companies. The difference between the highest and lowest quotes can be thousands of dollars.

Make sure you are comparing car insurance quotes on a like-for-like basis. Some policies may seem cheaper, but they might not offer sufficient coverage.

Increasingly more companies are offering flexible policies tailored to fit your individual needs. Some of them feature discount plans for young drivers, seniors, and good students.

Setting a maximum budget before you start shopping will help you be financially responsible.

Compare Companies Side by Side

When comparing auto insurance quotes online, you should first decide what exactly you want from your car insurance provider. Make sure you choose a company that will be there when needed.

Some customers focus on cost and coverage options, while others are looking for reliable companies with a strong financial background.

Select a car insurance provider that has a good reputation and millions of customers, or one that has been in business for many years.

Use rating services like A.M. Best and Moody’s Investor Service to check the financial ratings for insurance companies.

Go for a company that offers 24/7 assistance. Many insurance providers who sell coverage through their websites allow customers to file claims and pay their car insurance rates online.

Make sure the company you choose responds to you promptly when you need to make a claim.

Choosing a well-established car insurance provider has numerous benefits. Many of the larger insurance carriers have networks of agents and dedicated claims call centers throughout the USA.

Use the Internet to read customer reviews, get useful tips on car insurance, and compare free auto insurance quotes.

Make a list of companies that provide competitively priced policies in your state.

Look for auto insurance carriers that are rated highly by private rating services and have few complaints filed against them.

A reputable company will be responsive to your questions and handle your claims in a timely manner. To find out more about the companies you are interested in, check your state’s Department of Insurance.

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Ask About Car Insurance Discounts

One of the main advantages of comparing auto insurance quotes online is that you can see the discounts that are being offered.

Some companies offer discounts to customers who pay their premiums upfront, while others feature competitively priced policies designed for those who maintain a good driving record and keep their vehicles safe.

Being a good driver and staying claim-free for at least five years can help you save up to 75 percent on car insurance. Some insurance companies will give you the option of paying an additional fee to protect your no claims bonus.

Many drivers agree to a mileage restriction in order to pay less on auto insurance. The fewer miles your drive, the more money you will save.

If you don’t use your vehicle to drive to work, you will get lower auto insurance rates.

People who drive their cars only on local roads at the weekend are less likely to get involved in car accidents than those who commute.

Adding another driver to your policy will result in lower rates. Consider adding older drivers with a good driving history. Don’t add teenagers or inexperienced drivers to your policy because you will end up paying more on coverage.

Insurance companies offer massive discounts for such things as a good credit score, your car’s safety equipment, and certain professional affiliations.

Saving money on car insurance is easier than it seems. Before you start shopping around, make sure you have the specification details of your car available.

Compare as Your Policy Comes up for Renewal

One of the best times to compare your current auto insurance rates with other options is when your current policy is getting ready to come up for renewal.

Some auto insurance policies have penalties for canceling the policy before it expires.

But when you choose to switch policies after your current policy has renewed, you can avoid those penalties.

As you gather comparison quotes to see what kinds of deals you can get on your auto insurance, remember to ask your current company for a new quote as well.

In many cases, your current company will simply continue your policy when it comes up for renewal and not try to find you a better deal.

But if you ask for a comparison quote, then you may find yourself able to save more money.

Compare After an Accident

Even if there is a penalty for leaving your current company, it may be worth it to pay the penalty and move to a company that is more responsive to your needs.

Many consumers feel like they are getting a great deal on their auto insurance when they first sign a new policy. But the cost savings they think they are getting are quickly offset by poor service.

Do not stay with a company that has not earned your business. Compare quotes from other auto insurance companies and move to a better organization.

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Compare When Your Premiums Go Up

In the auto insurance world, it is common for premiums to go up without notice.

When you get your new premiums and you see that your rates have been raised, then that should be a cue for you to start comparing the insurance you have with what is available in the open market.

There are many reasons why your insurance premiums go up. Some of the most common reasons include:

• The company experienced an excessive amount of claims in the past year
• Your driving record was hit with a traffic ticket or accident
• You were moved to a different risk class due to age or other factors

While it is common for auto insurance premiums to go up, that does not mean that you should accept having to pay more for the same coverage.

Use your insurance premium increase as an excuse to shop around and find a better deal that fits your budget.

When you keep the same policy in effect for years and do not do some online comparison shopping, then you may put yourself in a position where you pay more for your insurance than you should.

Ready to start comparing affordable auto insurance? Enter your zip code in the box below to get started!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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