What is an auto insurance price match?
Just like retail stores, auto insurance companies price match. it's good to shop around. Compare rates from different companies online to save up to $859.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
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 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.
UPDATED: Oct 13, 2023
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 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.
On This Page
- Because of the personalized nature of car insurance, some companies may not be willing to price match
- Although taking our collision and comprehensive coverage may save you money in the short term, it may cost you thousands in the case of an accident
- Buying multiple lines of coverage from the same insurer can save you money
- Do not rely on the car insurance agent to do the work for you – scout out competing rates on your own!
Internet price quoting tools have changed the way companies give out quotes. The Internet has made it easier for customers to find competitive quotes. This creates competition among car insurance insurers to offer the best possible rates.
You may be familiar with the practice of price matching in supermarkets. For instance, some supermarkets will match a competitor’s price for the same product.
However, many people do not know that many car insurance companies also offer the same price matching discount to the potential buyers.
Start comparing rates by using our FREE online tool above!
Matching Prices the Auto Insurance Way
Typically, for car insurance comparisons, will have to search out the deals for yourself.
What you may find surprising is that while the car insurance companies are willing to go a long way to sign you onto a policy, they may not be as eager to price match.
For instance, even if you do find a lower price with another competing insurance company, your present car insurance carrier may unfortunately not be able to match the desired price. In this case, most insurance companies will deny your request to match a competitor’s lower price.
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Getting Good Value for Your Money
As the consumer, you must take the initiative to scout out competing car insurance rates. Every consumer has different specialized needs – car insurance companies often specialize rates in order to match these needs. Each policy is as unique as the policyholder it protects.
Often, friends, family and the occasional one-size-fits-all insurance agent may tell you to remove collision and comprehensive coverage for an older and less valuable car, in order to save costs on your policy.
However, if you have no emergency savings, then cutting collision and comprehensive coverage might cost thousands if you get into an accident.
Otherwise, you could earn a benefit payout from your insurer if your car is totaled or damaged.
Everyone has different needs. As the consumer, the choice is yours. For instance, paying a $1,000 deductible for insurance with collision and comprehensive coverage that costs $300 makes no sense if your car is valued at $1,500.
As an alternative, if you have good enough credit, you can keep an open line of credit in the case of an accident. In the world of car coverage, cash is king. The best bet is always to save money to be prepared for an emergency, despite having coverage.
Compare Quotes for the Best Coverage
The key to getting the best coverage at the most competitive rate is to compare quotes. Of course, the cheapest quote does not necessarily mean that it is the best one for you. However, doing your research ahead of time can save you money in the long run.
When comparing carriers, it important to keep the following things in mind:
- Check their customer service rankings
- Explore deductibles
- Review costs of coverage and your needs
- Evaluate perks
When looking at the many auto insurance carriers, make sure that they will be able to your specific needs.
Additionally, ensure that you will receive quality coverage and reliable service in case of accidents, damages, and injuries.
Reliability cannot be underestimated because of the nature of the service an insurer is tasked with providing.
For policyholders, the ease of receiving policy benefits after filing a claim is also paramount. For that reason, turn to other customers to find out how effectively they were treated by the same carriers you are considering.
Other ways to make reasonable savings gains is to combine policies with one carrier.
Buy Multiple Lines of Coverage
The same carrier who provides your homeowners, condo owner’s or renter’s insurance might be the best bet for your auto insurance policy. Through a mode of savings called multi-line discounts, you might save up to 10 percent on all your policies.
Other ways to whittle down the cost of coverage include having a security system in your car. Avoid buying and insuring cars that thieves love. If your car is on the top 10 most stolen cars, for instance, it will cost more to insure.
You have to remember that the more likely an insurer is to have to pay out benefits on your policy, the more your insurance premium will cost.
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Saving More Money
Other ways to save money are:
- Avoid making unnecessary claims
- Improve driver safety with safe or defensive driving classes
- Compare policy options when you have teen drivers
For instance, recently licensed teenage drivers can cost their parents substantial car insurance costs. For that reason, many parents shop for separate policies for their teen drivers.
In many families, it is important for teens to get their license, have access to their own car, and an affordable insurance policy. Whatever your personal situation is, it is important to do your own research first in order to secure the best rate possible.
Enter your ZIP code below to compare the best car insurance rates!
Frequently Asked Questions
What is auto insurance price match?
Auto insurance price match is a practice where car insurance companies offer to match the lower price offered by a competitor for the same coverage. It allows consumers to get the same coverage at a lower cost by comparing rates from different companies.
How does auto insurance price match work?
To benefit from auto insurance price match, you need to search and compare rates from different car insurance companies on your own. While insurance companies are often eager to sign you onto a policy, they may not be as willing to price match. If you find a lower price with a competitor, your current insurance carrier may not be able to match it
Are there benefits to buying multiple lines of coverage from the same insurer?
Yes, buying multiple lines of coverage from the same insurer can often lead to savings through multi-line discounts. For example, if you have homeowners, condo owner’s, or renter’s insurance from the same carrier, you may be eligible for a discount of up to 10% on all your policies.
What documents do I need to get auto insurance?
The documents required to get auto insurance may vary depending on the insurance company and your specific circumstances. Generally, you will need your driver’s license, vehicle registration information, and details about your driving history. It’s best to contact the insurance company or agent directly to find out the exact documents they require.
How can I check driving records for auto insurance?
Auto insurance companies typically check driving records by accessing information from the Department of Motor Vehicles (DMV) or similar agencies. They review your driving history to assess your risk profile and determine your insurance premium. The specific process may vary between insurers.
Should I remove collision and comprehensive coverage for an older car to save costs?
Whether to remove collision and comprehensive coverage for an older car depends on your specific circumstances. While it may save costs in the short term, it could cost you thousands in the event of an accident if you don’t have emergency savings. Consider the value of your car, your financial situation, and the potential benefits or payouts from your insurer before making a decision.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.