Get the cheapest car insurance prices online, compare multiple free secure quotes and save money! We specialize in finding the auto insurance companies in your area that have the lowest rates for your vehicles. Instantly, view the best offers, check your savings, and also apply for a policy. The process is very quick with no fees or obligations, regardless if you switch carriers. Multiple discounts and low monthly premiums are available, and you can use our mobile app at any time. If you need same-day coverage, immediate proof of compliance, or money-saving tips, we can help.
You can get low-cost coverage without sacrificing quality or customer service. Budget-friendly plans allow you to customize the coverage you need most, and eliminate benefits that you don't need or will rarely use. The best deals are not hard to find when you utilize our website tools. Since companies generally adjust premiums each year, it's important to have access to the most current offers from major carriers in your area. If your driving record (moving violations and at-fault accidents) has changed, reviewing other company offers (no obligation) makes financial sense.
Who Are The Cheapest Companies?
That actually depends where you live. It's not unusual for one carrier to offer substantially lower prices in one area, and also have noncompetitive rates in another state. For example, Allstate and Esurance may have the best deals for new drivers in New York, but in nearby Pennsylvania, Progressive, Erie, Liberty Mutual, Esurance, and Geico may be the better options (This was a hypothetical option). In many Western states (California, Washington, and Arizona) the best prices are from companies that don't offer coverage in the East.
Since each situation is different, we compare all of the major companies, taking into account discounts offered, rate stability, underwriting guidelines and ease of application. And as new vehicles and state regulations are introduced, we constantly update prices to bring you the top offers. If a state raises its minimum liability requirement, you will know. If bundling specific coverages reduce your premium, we'll show that method to you. The shopping tools we use make it simple to compare your best options, regardless if you own a single vehicle, or a fleet of vehicles.
How Does This Website Help Me?
Firstly, it's important to understand that there are never any fees, charges or obligations when you use our resources. Although we are aware that other websites and brokerage agencies may charge an administration or service fee, we do not...and never will. We are not sponsored or reimbursed by any insurer and we accept no advertising from any carrier or corporation. We also accept no donations from the private or public sector. Our 38 years of impartial and authoritative experience, can consistently lower your costs.
Also, you do not have to "register" to view prices, and very rarely will you see any glitches or delays. We also never ask for personal financial information, such as your social security number, driver's license number or bank/credit card account numbers. Although providing the vehicle identification number (VIN) helps us more accurately shop for you, it typically is not required.
We Have Been Helping Consumers For 38 Years!
We utilize a combination of three decades of car insurance experience and high-tech software to closely monitor rates and trends of the largest and most respected companies. We have been assisting drivers since 1980, so we're probably one of the most experienced resources you will find. We're able to accurately determine the best policies for you instead of haphazardly or randomly picking companies. By customizing quotes based on the make, model, and year of the vehicles you own, savings can be substantial.
This makes it easy for us to know which carriers offer the best pricing at all times. And that translates into savings for you. Prices can greatly vary because of very minor differences. We look at all factors, both big and small, so you're getting accurate information at all times.
But it's not just about low rates. We feel it's equally important to consider how an insurer treats its customers. Do they handle claims fairly and quickly? Do they raise the premium for accidents that are not their customer's fault? Is it easy to make changes to policies? Can you speak to a live person in the US 24 hours per day? These are some of our concerns, because we know you care about them too.
How Do I Buy A Policy?
The process is quite simple. Once you have chosen the policy (and carrier) that you want to purchase, typically you have three ways to complete the application. Online is usually the quickest and perhaps the easiest. Of course, a hard-copy application can be submitted to most companies. The approval time, however, may be longer than the online option. And there are a few carriers that will allow an application to be faxed. Once again, the approval process will take longer using this method.
Once the required information is received, the application is "underwritten," meaning that the data you provided is quickly reviewed, and an offer (policy) is sent. The effective date of coverage will be clearly stated so you can avoid a lapse in coverage if you are replacing another policy. If you need to change the date of coverage, it can be easily accomplished.
NOTE: It's very important to understand that even after you apply for a policy, you are under no obligation to accept the offer. Your circumstances may have changed, or perhaps you decide to stay with your existing company, or apply with a completely different company. Regardless, unless you're satisfied with the offer and it meets your personal criteria, it's your decision whether to proceed forward.
What if I Need An SR-22 Bond?
We can still help. Although it is not considered auto insurance, it is actually a filing made by the carrier to the state where you reside proving that you are "financial responsible." It is very cheap protection, although it does not contain all of the benefits of a regular policy. It only covers yourself, but not other vehicles or drivers. You only need to keep the bond for a specific period of time.
If you are convicted of driving while intoxicated (DUI), your license may have been suspended. There are also other situations where you may have lost your license. We will show you the most affordable and quickest method to get your license back so you can safely get back on the road with the required protection. Just because you are considered "high risk," doesn't mean you can't find affordable policies.
Can I Get Prices Before I Actually Buy A New Vehicle?
Yes, you can. Suppose you are considering buying three vehicles but you're not sure which one. For example, perhaps you are considering a Toyota RAV, Ford Escape and Chevrolet Impala. By knowing how much each one would cost to insure, it may make your decision a bit easier. And you would also be able to learn about the impact different versions of the same model have on the premium.
If you are able to provide the VIN number (available through the dealership), you will be able to get an almost exact estimate of the potential rate. Thus, comparing different vehicles and their costs of adding them to your policy will be very easy.
How Do I know What The Best Coverage Is For My Car?
Sometimes, you may not know. But we can present you with the most accurate information and unbiased guidance that will help. For example, if your vehicle is financed, you are required to have collision and comprehensive coverage. Once the car is no longer financed, you can consider removing those benefits. A leased vehicle will have slightly different requirements.
However, waiting until the vehicle is at least 8-10 years old may make better sense, since the value of the car will have depreciated to the point where it would make more sense. If the vehicle has very high mileage (more than 100,000), it's definitely a good time to consider removing collision coverage.