Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car 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.

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Here's what you need to know...

  • If you are switching car insurance companies, you may want to call your old carrier to ask about your cancellation date and any early termination fees
  • If you are a first-time insurance buyer, all you have to do is locate a policy that meets your needs and budget and purchase the policy
  • A comparison tool can help you find a new auto insurance policy with an affordable monthly premium

Choosing the right car insurance policy doesn’t have to be difficult. You want to make sure you have the right coverage, but at the best price possible.

So no matter if you’re getting insurance for the first time or considering changing policy, the information below will be essential.

If you are looking for a new car insurance policy? Drivers change car insurance companies for a variety of reasons, including lower monthly premiums, better customer service, or online accounts and features.

To get your new car insurance policy, all you have to do is use our FREE comparison tool. Just enter your zip code above to get started!

Before You Purchase Car Insurance

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Before you purchase a new car insurance policy, it is important that you contact your old insurance company to see when your current policy ends.

While your current car insurance company cannot stop you from purchasing a new policy and canceling your old insurance, they may require early cancellation fees.

If your policy is about to end or you are purchasing car insurance for the first time, you can simply locate a policy by using a comparison tool and inputting your personal information and information about your car.

Once you find a policy you can afford, you can usually purchase it online.

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FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Purchasing a New Car Insurance Policy

Finding and purchasing a new car insurance policy is easy when you know the proper steps. In fact, some states, like Michigan and New Jersey, offer their residents guides to buying car insurance.

  • Determine how much insurance you need – Insurance companies offer multiple types of insurance policies, including state minimum, liability, comprehensive and collision. Your choice will largely depend on your financial means, the car you drive and whether or not you still make payments.
  • Use a comparison tool to aid in your search – A comparison tool a quickly help you find several different insurance policies from different carriers.
  • Research various insurance carriers with the policies you would like to purchase – After reading through the policies, choose three. Then, research information about the insurance companies offering those policies to determine if they would be a good fit for you.
  • Choose an insurance policy – Use all the information you have gathered to choose your new auto insurance policy.
  • Purchase your new policy online – Purchase the policy that offers you the most benefits at a price you can always afford.

Lowering Your Monthly Payment

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If you’ve found a great policy with a great carrier but it’s still slightly more than you can afford, there are ways to make your policy more affordable.

– See If You Qualify for Any Discounts

Many car insurance companies offer premium discounts for vehicles with factory installed and aftermarket safety technology, including airbags, rear cameras, object alert system and ABS brakes.

You can also get discounts for being an accident-free driver, driving low miles and certain life events, like surpassing a certain age or getting married.

– Lower Your Limits

If you’ve chosen extremely high limits for personal injuries and property damage, think about lowering those limits. However, don’t make your limits so low that your insurance coverage may not cover all your accident-related expenses.

– Raise Your Deductible

If you have a low deductible, think about raising it. However, don’t raise it to an amount you can never afford to pay.

Benefits of a Comparison Tool

Using a comparison tool can save you time and money when it comes to purchasing a new auto insurance policy or switching insurance companies.

  • You can input your information into the tool at home at your convenience.
  • The tool will search for policies that match your criteria.
  • You can search different scenarios, like higher and lower deductibles, and discounts before you purchase.
  • Several insurance policies from multiple carriers will be returned to you in the results.
  • You can purchase your new policy online and print your insurance cards from your personal printer.

Purchasing an insurance policy should be simple. Enter your zip code into our FREE comparison below then choose a policy that matches your needs!