In today’s digital world, finding the right car insurance provider can be overwhelming. There are countless companies and policies, and they all offer different levels of car insurance coverage and rates. To make sure you get the best value for your money, it's important to compare policies from various providers.
Fortunately, car insurance comparison sites make this process much easier than it once was. In this article, we'll look at the best car insurance comparison sites and how they can help you find the right auto insurance policy.
The best car insurance comparison sites
Car insurance comparison sites provide a simple and straightforward way to easily check out quotes and coverages from different insurance companies. If you were to go to each individual insurance website yourself to do research, it would take a lot more time. Taking advantage of a car insurance comparison site can help you lower your car insurance premiums and find cheap car insurance.
Here are our recommendations for the best car insurance comparison sites:
QuoteWizard is a straightforward comparison site that simplifies the process of comparing car insurance quotes. In just minutes, you could be on your way to finding the best car insurance rate for your situation.
Why we like QuoteWizard: There’s nothing difficult about QuoteWizard’s process. Once you fill in the required information, which consists of your car’s make and model and a few additional personal questions, you’ll get your offers, and you can start comparing them to find the best rate and coverage options.
There’s no cost for these services, and providers include State Farm, Allstate, Farmers, Progressive, and Liberty Mutual.
The Zebra offers online quotes from over 100 providers and says you can save up to $670 a year by using their services. For how fast they pull up rate quotes for you, that’s a lot of potential savings.
Why we like The Zebra: The Zebra is one of the easiest free comparison sites to use. The design is intuitive and helpful, especially when you’re filling out your information. It also shows you any available car insurance discounts based on the information you’re providing.
For example, many auto insurance companies offer a discount if you purchase another policy along with your car insurance, such as homeowners insurance.
Even better, The Zebra promises not to spam your phone or email. After you provide your info, they’ll show you several quotes from a variety of providers including The General, Amica Mutual, Nationwide, Farmers, American Family, Allstate, Geico, USAA, and more.
EverQuote is an online insurance marketplace that connects individuals and insurance providers. All you need to do is enter your zip code and answer the basic questions about your car that most comparison sites ask for, and you’ll be given multiple quotes.
Why we like EverQuote Insurance: There’s no cost to use EverQuote’s auto insurance quote services, and there’s no pressure to go with any specific company. EverQuote simply sends you to your preferred company for a longer quote or puts you in contact with insurance agents. It’s up to you to decide who to go with.
EverQuote works with top insurance providers such as The General, Nationwide, Progressive, and Liberty Mutual.
Why you should compare car insurance companies
Comparing car insurance companies is an important part of finding the best coverage and the lowest rates. Not all car insurance policies are the same, and there can be significant differences in the coverage offered, as well as the rates available. Comparing car insurance companies allows you to find the right coverage for your vehicle and lifestyle at the best possible price.
Before diving into the process, you should also understand what affects the rates these comparison companies are showing you. These factors can include:
Your driving record is a key factor when setting an insurance rate, as it reflects your past driving behavior and potential risk to insurers. A clean driving record (e.g., not having speeding tickets, DUIs, at-fault accidents) typically results in lower rates.
Older drivers typically are more experienced than younger drivers and statistically have fewer accidents, which can result in lower insurance rates. Young drivers, on the other hand, tend to be higher risk because they don't have a lot of experience driving, so they typically pay higher rates.
Insurers use gender as an indicator of the likelihood of risky behavior, and the rate you get may vary depending on your gender. Statistically, men engage in more risky driving behavior than women.
Insurance costs can vary depending on the make and model of the car you drive. Again, it’s all dependent on stats. Certain vehicles have more safety features while others are more frequently involved in accidents. New cars are often more expensive to insure than older ones because they cost more to repair.
Your ZIP code is one of the main factors insurers use to determine rates, as it reflects the amount of risk associated with a particular area. Areas with more vehicle thefts or accidents are likely to see higher rates since the likelihood of making a claim is higher.
A good credit score may result in lower rates in most states. If you have poor credit, it may be worth the effort to increase your score. California, Hawaii, Massachusetts, Michigan, and Washington don’t allow insurers to use your credit score to determine rates.
Many different companies offer discounts to drivers with good driving records; young, reliable drivers; and policyholders who bundle their policies.
How to compare car insurance quotes
Comparing car insurance quotes is a fairly simple task that only involves a few steps. In general, you’ll go through the following process:
1. Gather all the necessary information
Before you begin comparing quotes, make sure you have all the information you need on hand. This includes vehicle information like the make, model, and year of your car, and your vehicle identification number (VIN). You’ll also need to provide information about your driving record, your current insurance coverage, your driver’s license number, and any special discounts you may qualify for.
2. Pick your comparison site to work with
Select a company and take a moment to enter all of the info you gathered before.
3. Pick a few more sites to look at, too
Since most comparison tools are free to use, it never hurts to run the numbers through a couple of sites. One could show you a quote you like more than any of the other comparison sites offer.
4. Read the details of each policy
Once you have collected quotes from different insurers, make sure to thoroughly read the details of each policy. This will help you understand what coverage you’re getting, what the deductibles are, and any other important information. Plus, you can make sure there are no hidden costs you’ll need to deal with.
Following these steps will help you make an informed decision about which car insurance policy is best for you. Just make sure your quotes compare the same types and amounts of coverage. Comparing apples to apples is the only way to really see which quote is the best option for your needs.
Types of car insurance
Almost every state requires a minimum amount of car insurance. Beyond these minimums, there are still tons of options for additional policies that protect you, your passengers, and other drivers on the road. These additional options include:
- Liability. This type of coverage helps to protect you in the event that you cause bodily injury or property damage to another person. Liability coverage usually covers the other party’s medical expenses. Liability insurance is the minimum coverage required in most states.
- Collision. Collision insurance provides coverage for your vehicle if you’re involved in an accident with another vehicle or object. It typically assists in covering the cost of repairing or replacing your vehicle, as well as any medical expenses that are associated with the accident.
- Comprehensive. Comprehensive coverage is designed to protect you in the event of theft, vandalism, natural disasters, and other non-accident-related damage to your vehicle.
- Personal injury protection (PIP). PIP is a type of insurance that helps to cover medical expenses and lost wages if you are injured in an accident.
- Uninsured motorist/underinsured Motorist Coverage. This type of insurance helps to cover you if you are injured in an accident and the other driver is either uninsured or underinsured.
- Gap insurance. Gap insurance covers the difference between what you owe and what your car is worth. If you total your car, your insurance company covers this difference.
- Roadside assistance. Roadside assistance can help in the event of a breakdown or other emergency.
Is The Zebra a legit website?
Yes, The Zebra is a legitimate website and has provided over 18 million insurance quotes since it started in 2012. It's an online car insurance comparison website that allows you to compare rates from hundreds of different insurance companies and find the right policy for you.
What is the cheapest car insurance company?
Finding the cheapest car insurance company is tricky because the cheapest insurance option for you depends on many different factors. Your age, driving history, and the type of car you drive all affect your auto insurance rate.
How can I lower my car insurance fast?
While it’s not the absolute fastest method, the best way to lower your car insurance costs is to maintain a good driving record. Reckless driving statistically leads to a higher rate of accidents, which is likely to lead to higher auto insurance premiums. Plus, many companies offer discounts for safe driving.
Additionally, you may be able to lower your car insurance by increasing your deductible. Increasing your deductible means you will pay more out of pocket for repairs if you ever need to make a claim, but in exchange you’ll pay lower monthly premiums.
You can also lower your rates by changing your coverage levels. You may want to lower your coverage limits, drop comprehensive and/or collision coverage, or no longer have full coverage, especially if you’re driving an older vehicle. Keep in mind that the less coverage you have, the more out-of-pocket costs you could face in the event of an accident.
If your state allows companies to consider your credit history, improving your credit by paying down balances and making on-time payments could also lower your rates.
Finally, you might be able to lower your car insurance prices by taking advantage of discounts. Many insurers offer a variety of discounts, such as good driver discounts, multi-policy discounts, and more. Be sure to ask your insurer about any discounts you may qualify for.
Finding affordable car insurance can be time consuming. Car insurance comparison sites are a great way for drivers to quickly and easily compare the best car insurance companies available. They offer a variety of different tools, such as price comparison, policy comparison, and discounts, which can provide a comprehensive overview of the different insurance policies available.
Ultimately, car insurance comparison sites can provide drivers with an effective way to save time and money in their search for the best price on car insurance.
In determining the best car insurance comparison sites, we researched potential options and evaluated each option based on its pros and cons, number of insurance partners, and ease of use. Note that we did not review all car insurance comparison sites.