A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Many auto insurance policies are offered as a bundle, with the policy also including other insurance options such as homeowner’s insurance and life insurance. However, it is possible to buy just auto insurance without including other add-ons. These policies are available by contacting most major insurance companies or independent insurance agents.

Just enter your ZIP code into the FREE box on this page to find ideal car insurance quotes in your area!

Many insurance companies offer a discount for bundling car insurance with other insurance policies. However, you can still get a great rate on affordable car insurance when you are purchasing just auto insurance.

Types of Auto Insurance Available

While it is possible to purchase a policy for just auto insurance, there are still many options to explore to find the right plan for you. Car insurance coverage is available in several different varieties such as first-party insurance and third-party coverage.

First-party insurance is coverage for you and your vehicle. It may cover the damage or injuries if you are involved in an automobile accident. This would include auto repairs and medical bills if you were hurt in a crash.

Third-party coverage is insurance that covers the expenses incurred by another person or property as a result of your accident. Most states legally require that all drivers have at least third-party coverage. Many mandate that drivers have first-party insurance as well. This protects other motorists from the expense of being hit by an uninsured driver who cannot pay for the damages.

Before you shop for car insurance, it is a good idea to know the minimum coverage required by your state. Check with your state’s Division of Motor Vehicles to identify coverage requirements.

Remember that in many cases, you may want to have more than the minimum amount of insurance coverage. Your coverage amount and policy type should be determined by your risk level, your financial position, and the value of your vehicle, among other factors.

Different auto insurers also offer different types of payment plans for your policy. You may choose to pay yearly, pay monthly or even pay as you go. Typically, most auto insurance policies offer monthly payment schedules.

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Getting Car Insurance without an Insurance Bundle

While many insurance companies try to push customers into buying multiple insurance products at the same time, it isn’t a requirement. Insurance companies will try to “up-sell” customers by offering a discount if they link their auto insurance plan to life insurance, homeowner’s insurance, or other policies.

Some companies may try to make you feel as if purchasing the bundle is the only way to get a good deal. This isn’t true, there are other competitive rates and policies available even if you are not bundling your car insurance purchase with other insurance plans.

As a consumer, you can choose not to participate in these promotions. Simply inform the insurance companies that you are only in the market for car insurance. By shopping around, you can be sure to find the best rate for just auto insurance. You also are not obligated to purchase your car insurance from the same agent or insurer that provides your other insurance policies.

Finding the Best Deal on Just Auto Insurance

Doing extensive research is the best way to guarantee that you will find the right automobile insurance policy. Remember that besides the price of the policy, you will also want to consider the company’s quality, reliability, features, and customer service.

Understanding your risk factors will help you determine what is a good deal for your policy. If you have had several accidents, or have speeding tickets on your record, you can expect to pay more for auto insurance. You will find that car insurance for young drivers and teenagers may also cost more.

Get to know the major auto insurance companies in your area. One of the best ways to find out if an auto insurer is a good fit for you is to read ratings and customer reviews.

Hearing feedback from other customers just like you is a great way to get a true sense of an auto insurer, not just their price.

To find comprehensive ratings and reviews for major automobile insurers, visit a reputable source such as J.D. Power and Associates and A.M. Best. Remember that besides looking for a low cost insurer, you will also want one that is reputable, knowledgeable, and easy to work with.

Finding auto insurance doesn’t have to be daunting. With a bit of time and research, you can identify the best insurer to offer you just car insurance. You can also be confident that you’ve found not only the best deal, but the best fit for your needs.

Enter your ZIP code in the FREE box below to find car insurance rates in your area!