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Do you want to save hundreds on car insurance in 2017? Don’t waste your time doing it the old fashion way. We can help you compare multiple cheap car insurance quotes within minutes. The information we provide will help you make the best choice when choosing the right car insurance for your needs.

Discounts Make Car Insurance More Affordable

The cheapest car insurance policies are affordable because they include a number of discounts. Find out which discounts you are eligible for by simply scanning the affordable auto insurance (discounts) page of each insurance company’s website. If you see available discounts that would make your insurance more affordable, call to inquire, and ask for quotes on auto insurance premium rates. Here are some of the discounts that may allow you the cheapest car insurance rates.

What Are The Basic Coverage Terms I Should Know?

  • Bodily Injury Liability: Covers the cost of bodily injury to others caused by an auto accident.
  • Personal Injury Protection (PIP): Covers the cost of bodily injury to the driver and passengers.
  • Property Damage Liability: This type of car insurance pays for property damage caused by an auto accident.
  • Uninsured/Underinsured Motorist Insurance (UMI): For This affordable auto insurance covers the cost of accidents involving uninsured or underinsured drivers. In some states, UMI is required.
  • Collision Coverage: For slightly higher rates, this car insurance will cover the cost of crashing your car into anything other than an animal.
  • Comprehensive Coverage: This type of car insurance is also known as OTC (other than collision). It covers events such as fire, theft, vandalism, and hitting animals that run in front of your car.
  • Gap Insurance: This affordable car insurance pays the difference between the actual value of your totaled vehicle and the money you still owe on it.
  • Interior Vehicle Coverage: For higher rates, this auto insurance pays for the loss of a driver’s personal belongings left inside the vehicle.
  • Rental Car Coverage: This type of auto insurance covers the cost of a rental car until your car is either repaired or replaced.
  • Replacement Car Coverage: If your car is totaled, this insurance guarantees you a new car of the same kind, but less than a year old. Auto insurance quotes may not be the cheapest when this type of coverage is included.
  • Pet Injury Insurance: This insurance covers the medical expenses of pets injured in auto accidents.

What Is The Benefits of A Online Car Insurance Quote?

There are many benefits to receiving online auto insurance quotes, as opposed to calling an auto insurance agent, or physically visiting an agent’s office for cheap car insurance.

Online quotes can do it all. They are instantly more affordable just from the discount you get for buying your car insurance policy online. Online quotes also include factoring in certain car insurance discounts based on your demographic information. You get to choose your auto insurance coverage types, levels, and limits from a clear list of affordable options. You can even get several quotes from the same car insurance company by changing the parameters a bit. For example, if you are over 55, the online quote tool may factor in a senior discount on your car insurance policy. If you are under 25, you may be prompted with a question about school for a possible good student car insurance discount. You will probably also be asked of or not if you already have another insurance policy with that company. This could make you eligible for a multi policy discount, which will reduce your car insurance rates even further. Compare these quotes with other auto insurance companies, using the same parameters.

Once you receive your online quotes, it might benefit you to call an agent to ask about any other potentially available car insurance discounts not already mentioned online. Doing this can’t hurt, and can reduce your annual premium rates to a minimum. The more discounts you qualify for, the lower your rates will be on cheap car insurance.

Here are just a few reasons why obtaining cheap car insurance via online quotes is so much easier than doing things the old fashioned way:


Easy Access

All you need is a internet connection anywhere in the world to get as many online car insurance quotes as you desire. What’s more, the internet is open 24/7! Gone are the days of waiting for an agent to call you back.



You can obtain affordable online auto insurance quotes without making a single phone call, without dealing with a single live agent, and without even getting up out of your favorite chair. How much more convenient can cheap car insurance get?



Online quotes for car insurance are generally as cheap or even cheaper than the quotes you might get through an auto insurance agent. One reason is that the auto insurance agent gets a commission. Who needs the middleman?


Time Efficiency

Online auto insurance quotes are much faster than phone quotes, and a whole lot faster than face-to-face meetings with car insurance agents. In our DIY generation, time is money! From start to finish, it takes about 5 or 6 minutes to get quotes on your car insurance premium rates.

What Are the Steps To Choose The Cheapest Car Insurance Provider?

It only takes about five minutes to get an affordable auto insurance quote. In one hour, you can do some serious quotes comparisons. These days, most people buy cheap auto insurance policies online. Here is a simple, step by step approach to getting the cheapest possible auto insurance policy for your uniquely personal needs, and doing it all online.

1. Get a good, old fashioned pen and paper ready. You’ll need it to record online quotes from a number of auto insurance companies.

2. Write down the type of car insurance policy you want, including liability limits, types of coverage, affordable rates, and whatever else is important to you.

3. Visit our states page to read up on auto insurance laws, cheap coverage options, and other state-specific information. Look up your state.

4. Visit our car insurance companies page and select at least a few affordable major carriers, and also search at least two smaller, regional carriers who are licensed to issue quotes and write policies in your state. Make a list of these carriers.

5. Visit the website of each car insurance company you chose. For each company website, input your zip code and demographic information. Obtain online quotes from all of your chosen car insurance companies. Write down the quotes from each different company.

6. Compare these online quotes. You will probably notice that one of these car insurance companies offers the cheapest rates. However, before you decide to buy the policy…

7. READ CONSUMER REVIEWS! This step cannot be stressed strongly enough. There’s no point in having a cheap car insurance policy if the company has a reputation for abysmal customer service, or even worse, not paying out when an auto accident occurs. Some drivers have to find out the hard way that the cheapest auto insurance policy is not necessarily the best.

8. Once you have selected the auto insurance company that works best for you, purchase your policy online. This will get you the cheapest rates on auto insurance.

9. When you receive your auto insurance policy, read it carefully, thoroughly, and twice! Know what is covered and what is not. Avoid unpleasant surprises.

10. Drive safely! The best way to maintain low rates on your auto insurance policy is if you never need to use it.

What Type Of Insurance Do I Need If I Had A DUI?

An SR-22 is a form that must be filed with the state by drivers who have been involved in DUIs, or were found to be at fault in an accident that caused bodily injury to others, and didn’t have even the minimum insurance coverage required by state law. These people are known as “high risk drivers.”

An SR-22 is issued by a car insurance company, but high risk drivers are avoided like the plague by a lot of car insurance companies. Many carriers will not insure drivers who have to file an SR-22 with the state to prove that they are insured. However, some carriers will, at a cost. Naturally, an SR-22 is accompanied by much higher premium rates.

Many high risk driver licenses revoked, and an SR-22 form is required as the first step in getting a license reinstated.

The good news is that after a few years of maintaining a clean driving record, most drivers will no longer have to file the dreaded SR-22, and may one day again be able to get cheap car insurance online.