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Comparing Affordable Car Insurance Rates

Here's what you need to know...
  • Comparing car insurance policies helps drivers get the best coverage at the lowest price
  • Insurance companies are not designed to give customers the lowest rates by default
  • Comparison shopping is neither difficult nor time-consuming
  • Don’t trust ads; always comparison shop

A large number of drivers consider themselves to be too strapped for time to compare car insurance quotes, so they select a company without considering how much money they’re losing rather than saving when paying for liability coverage.

Many consumers simply pick the brand they’ve heard is the most affordable or easiest to deal with, rather than doing their research. It all accomplishes the same goal, they figure, so why bother comparing every company and wasting a whole lot of time?

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Comparing Car Insurance
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Comparing companies and learning about their policies is the best way to get the highest amount of coverage at the lowest price.

Insurance companies are not designed to give customers the lowest rates by default, and they’ll gladly overcharge a customer who doesn’t go the extra mile to research and reduce their costs.

They overcharge because insurance company rates are largely systematic and automatic. They calculate a driver’s age, risk, credit, current location, and average annual mileage, and simply spit out a number.

For people who don’t care how much money they’re paying for liability coverage each month, receiving an automatic number might be fine, but it’s difficult for cash-strapped consumers who need the lowest rate possible on the best type of coverage they can afford.

For these people, comparison shopping isn’t simply an option; it’s a requirement.

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Discounts and Various Companies

Consumers who go by the advertisements they see on television or hear on the radio during their daily commute would likely think that all discounts are the same at every company.

After all, they all promise rewards for safe driving, discounts for good grades, reduced expenses for drivers who have taken defensive driving courses, along with a long list of other car insurance discounts.This assumption, however, would be a crucial and costly mistake.

Insurance companies might all have similar names for their discounts, and they might all reward the same types of good behavior and driving habits, but they do so in differing proportions and in completely different ways.

This means that one company’s discounts are a brother company’s overcharges, and one company’s low rate is another company’s impractically low cost of coverage.

Insurance companies weigh their discounts differently from each other, meaning every driver would be best-served by a different company depending on their past and needs.

For example, bad drivers might not want to choose a company that is big on rewarding safe driving. Those companies are also big on punishing accidents and moving violations, and drivers with a past will find it hard to save money.

Similarly, drivers wouldn’t want to choose a company that is known for catering to students if they aren’t students themselves. Some brands have generous student discounts and good grades promotions, but their multi-vehicle or safe driving discounts are comparably low and not really helpful to the older drivers sharing the road with those students.

Those consumers who fail to comparison shop would never know the difference, and they would end up significantly overpaying for their car insurance policy.

Comparing Isn’t Hard or Time-Consuming

Dollarphotoclub_97121011-1600x1600The common misconception about comparison shopping between insurance companies is that the process is time-consuming, tedious, and not worth the effort it takes to secure multiple quotes from a wide array of companies.

Although this cumbersome process might have been the case just a few short years ago, the internet has innovated to make comparison shopping as easy as obtaining just one quote.

Known as online insurance quote comparison tools, new websites abound which allow customers to type in their driving history information, vehicle information, and discount information, and submit it to a multitude of national insurance agencies.

This information is then independently evaluated by each insurance company who receives it, and an official quote is returned to the comparison-shopping customer in a matter of seconds or minutes.

When the quotes are returned, they’re all presented on the same page and in a relatively uniform format. This allows customers to see what they’re paying for, where they’re getting a discount, and which discounts are weighted the heaviest.

A little analysis of this comparison allows them to see which companies are going to best serve their needs and driving patterns over the course of a three, six, or twelve-month policy. Then a quote instantly leads to a signup form, and the driver will be covered by the new company in just a few more minutes.

Always Compare Car Insurance Quotes

Even companies that have a reputation for being among the most affordable car insurance brands have been known to overcharge customers for coverage or provide unfavorable discount policies to their car insurance products.

Don’t trust word-of-mouth advertising or official ads displayed on televisions and radio stations.

Instead, comparison shop and learn about a company’s policies and discounts separate from their promotional material. The process of comparison shopping among multiple insurance companies is sure to make already affordable car insurance even more budget-friendly.

The process is easier than ever before, and there is no reason to continue paying high fees for the same coverage that is offered elsewhere for less.

Enter your ZIP code into our comparison tool to receive multiple car insurance quotes for FREE.

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