Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 13, 2021

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How does one find affordable car insurance rates? Anyone who watches a normal amount of television knows that there are plenty of auto insurance companies to choose from. Amazingly, they all claim to offer the cheapest rates and the most dependable coverage!

For the consumer, finding affordable car insurance requires some time, patience, and creativity. To compare car insurance rates among several companies, enter your ZIP code above in our FREE comparison tool!

Doing some research, comparing providers and negotiating rates are the three key steps to obtaining affordable car insurance rates. Read more about how to achieve each of these goals before making a decision.

Finding Affordable Car Insurance Means Doing Your Homework

Anyone can listen to a radio or television commercial and be convinced that the insurance company who sponsored the ad is giving them the straight-up information. The unfortunate truth of the matter is that it’s not true. The number one rule in marketing is to make a product as attractive as possible while divulging as little cost information as possible.

When it comes to car insurance, good marketing dictates that companies talk about how much you’ll save over their competitors. What they don’t do is an apples-to-apples comparison of coverage and the cost per item. Since they won’t do the work for you, finding affordable car insurance starts with you doing your homework.

You first need to know what is required in your state. Look at minimum liability, personal injury, and property damage coverage, as well as whether or not you’re required to carry full collision if you have an outstanding loan. With the basics covered, move on to other things you might be interested in.

You may decide you want full glass, theft, and roadside assistance coverage. You may want other things that are offered in your area. Regardless of your choices, know what you want and be firm about it before you begin shopping. Insurance companies, like any other business, are going to try to sell you as much as possible.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Finding Affordable Car Insurance Means Comparing Providers

Most of us shopped around a bit before we purchased a car. It’s the normal thing to do. We don’t want to be locked into a car that we hate, or one that is unreliable. So why not take the same approach to the company we chose for insurance?

Affordable car insurance can be found if you are willing to compare what various companies offer. It can be time-consuming indeed, but considering that the average consumer spends $600 or more annually, it’s worth the investment of time. The free tool provided on this page is a great short cut to comparing those providers.

Compare car insurance rates and companies

When comparing different companies, start with two or three nationally known ones, and then throw in another two or three regional insurers. You might even use a local agent if you can find one who represents several different providers.

Ask each company for a quote for each of the specific items on your list: the state minimums, collision, full glass, theft, etc. Move down your list and get concrete numbers. A company unwilling to quote you on specific items is one that may surprise you when the bill comes due. An item-by -item comparison is the only way to know for sure which company is really giving you the best deal.

Finding Affordable Car Insurance Means Negotiating for Discounts

Not a lot of people know this, but there is room for negotiation in car insurance premiums – to the extent that many times an agent will neglect to reveal all of the car insurance discounts you may be entitled to! Most of the states place a minimum on what an insurance company can price their products at, but the insurance companies generally start at a higher level than the state minimum.

Just like you negotiated the price of the car, you can also negotiate your insurance premiums by scrutinizing all available discounts. Finding affordable car insurance means being willing to say to company A, “Hey, company B quoted me slightly higher liability coverage at the same rate as your minimum. Can you do a little better? How can I qualify for that good student discount?” You’d be surprised what you can accomplish if you just present insurance companies with the offers of their competitors.

Of course, with ongoing negotiations you can reach a point of zero sum gain, in which neither party benefits substantially. At that point the insurance cost will not get any lower, and you will not get any better coverage. To avoid reaching that point, be careful not to go overboard in negotiating.

You may find it a chore to search for affordable car insurance; others treat it almost like a sport. Regardless, if you’re willing to the take time to do your homework, compare several companies item-by-item, and do a little negotiating, you’ll be able to get the right policy for you. Or, you can just believe the next television commercial and call that company. The choice is yours.

FREE car insurance rate quotes are available by entering your ZIP code into our search tool right now!