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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In a nutshell...

  • The best way to find low auto insurance rates is to compare quotes from various auto insurance companies
  • To give you an insurance quote, the company must review your driving history and your lifestyle to see how likely you are to have a loss
  • You should always do your homework on insurance carriers in your state before you choose a quote based only on price
  • Some of the factors to consider when you’re comparing companies include licensing status, complaint record, financial strength, contact methods, customer satisfaction, and product offerings
  • You may qualify for some common discounts like Good Driver, Good Student, Mature Driver, Low Mileage, Daytime Driver, and Driver Training that all bring your rates down

Comparing auto insurance rates quickly is possible if you know how to be resourceful. As a budget-conscious consumer, you should never just believe a company’s claims when they say that they have the lowest prices in the industry. This is especially true when you’re shopping for mandatory car insurance.

The thought of going down your long list of auto insurers to get a quote one-by-one sounds very time-consuming. If you were to get each quote direct from the insurer it could take you days or weeks to do a thorough comparison.

Luckily, there are better ways to search for low-priced auto insurance. Start your comparison shopping right here by entering your zip above!

Step One: Decide How Much Liability Coverage You Need


You should never leave yourself vulnerable to uncovered claims. A good rule of thumb is to decide on how much coverage you need before you even start shopping the market.

By choosing coverage limits and other optional types of coverage first, you won’t be tempted to buy a basic auto insurance that doesn’t afford you adequate coverage.

All policies include coverage to pay for third-party liability claims. One of the hardest things to decide is how much liability coverage you need.

Since this is the form of protection that pays for medical bills, repairs, and court-orders judgments, having the right amount of coverage is crucial to protect your assets. Here’s what limits of liability experts recommend:

  • At least $100,000 per person in Bodily Injury
  • At least $300,000 per accident in Bodily Injury
  • At least $100,000 per accident in Property Damage

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Step Two: Decide How Much First-Party Coverage You Need


Third-party coverage is a must, but you must never overlook the importance of choosing the right first-party benefits.

First-party benefits will pay for medical treatment, vehicle repairs, and other expenses that you can accrue after a loss.

Some of the options you need to consider when you’re getting your quotes include:

Step Three: Find Insurance Companies with a Good Reputation


Once you know how much coverage you need, the next step in the process is to find a reputable insurance company.

You can get quotes from all of the carriers that do business in your state, but that would be a waste of time if you know that some of these carriers have hundreds of complaints and poor customer service ratings.

There are a few different things that all of the best carriers have in common. While the companies that write the most insurance are known to be the most popular, size isn’t always the best indicator to go by.

If you’d like to know where to start looking, here are a few factors that matter:

– Financial Rating

Insurance companies and other public companies in the finance industry receive grades that represent their financial strength. Since you’re counting on an insurer to pay out when you file a claim, you need to know that the insurer has money.

Visit consumer rating sites like A.M. Best and Moody’s online so that you can see how each company stacks up.

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– Customer Satisfaction

Customers are very vocal when they aren’t happy. With the Internet becoming a huge platform for people to voice dissatisfaction, you can see if companies have a reputation for poor service fairly easily.

It’s also possible to reference survey responses through J.D. Power & Associates.

– Complaint Records

The National Association of Insurance Commissioners keeps all complaints on file. Consumers can access the records when they are shopping around.

When a carrier has many different complaints filed in the same category, it shows that there’s a bad trend.

Step Four: Get The Paperwork That You Need For Quotes


You need specific information to get quotes. If you don’t know the answers to all of the questions you’re asked, your quotes aren’t going to be very accurate.

This is why it’s wise to gather all of the documents that you need to before you solicit quotes from any companies. Here are the documents that can help you avoid insurance misquotes:

  • Your last car insurance declarations page
  • The renewal documents that you’ve recently received
  • Your driver’s license information and your motor vehicle record
  • A claims experience letter or your C.L.U.E. report that lists all claims filed under your policy
  • Banking information
  • Vehicle registration or title for the VIN and other details

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Step Five: Get Quotes for the Same Type of Coverage


You shouldn’t get quotes with different limits and deductibles if you want to compare rates. Since personalized rates can vary differently from carrier to carrier, you must get apples-to-apples comparisons.

If you’re not happy with any of the rates then you should modify the coverage and generate new quotes.

Getting auto insurance quotes one by one can be a huge waste of your valuable time. The best way to compare rates is to follow these steps.

Once you’re ready to look at prices, you can access an online quote comparison tool on the world wide web. Make sure to enter your information accurately and then choose the good policy from a respected carrier.

Enter your zip below to start comparing car insurance quotes online for FREE!