How to Obtain Car Insurance Quotes
Determine the coverage you require
In most states, drivers are mandated to have a minimum level of liability coverage. Opting for a minimum-coverage policy typically represents the most affordable insurance option. However, when shopping for car insurance, it's essential to consider additional factors.
For example, if you own a newer vehicle or are leasing one, your lender or lessor might necessitate extra coverages like comprehensive and collision coverage. As your car ages, you may find that different types of coverage and coverage amounts better suit your needs compared to when the vehicle was newer.
Review rate comparisons
Consulting our list of the Cheapest Car Insurance Companies can provide insights into which insurers offer the most competitive rates overall and for specific driver demographics, such as teenagers and seniors.
Insurance providers might offer varying rates based on factors like your driving history, annual mileage, or desired coverage level.
While USAA generally offers the most affordable rates across many categories, its policies are exclusively available to current and former military members and their families. Companies like Erie, Auto-Owners, and Nationwide also frequently provide rates below the national average for various driver profiles. However, the best insurance company for you may be one not featured in our list.
Explore individual insurers further
Our evaluations of individual car insurance companies incorporate rate analyses to provide an overview of pricing. Additionally, we utilize feedback from our consumer surveys to assess companies' reputations regarding customer service, claims processing, customer loyalty, and other critical factors.
The Best Car Insurance Companies ranking serves as a valuable resource for gaining insights into some of the leading auto insurers nationwide.
Compare insurance quotes
Steps to Compare Quotes:
- Identify your required coverages
- Conduct thorough research on insurance companies
- Compare quotes for the same types and levels of coverage
Prepare to furnish basic personal details such as age, gender, marital status, and information about your vehicle. You may also need to disclose your current insurance status, if applicable, and provide details related to your driving history.
Most insurers offer the convenience of obtaining free quotes through their websites. Additionally, there are comparison platforms that enable you to receive and compare quotes from multiple insurers simultaneously.
For further insights on navigating the insurance shopping process, including the advantages and disadvantages of online shopping versus agent-assisted approaches, refer to our comprehensive How to Buy Car Insurance guide.
