It’s necessary to compare car insurance rates if you want to ensure that you’re getting the best rate, but there is more to it than simply looking at the total cost. If you’re buying a car, for example, you wouldn’t just look for the one with the lowest price tag. There could be all sorts of things wrong with that car, or it might not have certain features that you need, or it might just not be a great fit for your lifestyle. These same things also apply to car insurance, not just the cars themselves. Shopping for a car insurance plan that fits you is something we’ve written about extensively, so the purpose of this resource is to give you a simple overview, along with links that you can follow for additional information.

First things first, if you want to get right into it, visit our homepage and enter your zip code to find the absolute best rate for a plan that suits your needs as a driver.

What To Look For and What To Consider When You Compare Car Insurance

It’s not helpful to compare rates until you’ve taken everything else into consideration and you can compare apples to apples in regards to the rates. Otherwise, you could end up comparing the prices of one insurance plan that covers a lot more than a different plan, which is why it’s good to first determine what you need, to control for variables, and to save as much as you can in other ways (like finding a car that typically costs less to insure.) It’s all a lot easier than it sounds, and our tools will do all of the heavy lifting.

How Does Your Car Stack Up?

If you have a vehicle that’s very expensive to insure, it doesn’t matter which insurance company you choose, you’ll end up paying extra for that. You might not mind this, if you want that specific vehicle, but if you’re choosing between a few different options when you’re buying your next vehicle, and you don’t have a strong preference, then the amount of money that it costs to insure can help influence your decision. 

Here’s some information on the cheapest used cars to insure.

Check The Deductibles

A higher deductible can lead to a cheaper rate, but you’ll end up paying more in the event that you need to file an insurance claim. Generally speaking, if you go by the numbers, you’re more likely to save money in the long term by going with a higher deductible, as long as you can afford that lump payment in the event of a claim. A lower deductible means that you won’t have to pay as much towards a claim, but you’ll pay a higher monthly rate. When you’re comparing car insurance plans, make sure the deductibles are the same amount across plans, then try adjusting the amounts of the deductibles and see how that influences the cost.

Determine Your Needs

You can’t shop for something until you know what you need to buy, and knowing what you need in terms of insurance depends on how you use your vehicle. People who drive very often, in cities with higher rates of accidents, where other drivers may not be properly insured as often, with icy roads, and so on may want to consider paying more for insurance.

Comparing Like an Agent

If you want to compare car insurance like an insurance agent would, use the same types of tools that they use! This website exists to help you get the upper-hand when you’re trying to compare all of your car insurance options. Here are some specific things you can do to save money on car insurance, too.