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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When you watch television or listen to the radio, it seems like you can’t escape the inevitable automobile insurance commercial. There are so many that it can be hard to keep up with the different companies and offers, which may have you longing for a comprehensive list of auto insurance companies. We all know the big names like State Farm, GEICO, and Allstate. There are many smaller companies that provide unique services and local coverage in certain states. Companies like Liberty Mutual, Farmers Insurance, and American Family are among the top names you may recognize as well. Once you get into names like California Casualty, Island Insurance, Bear River Mutual, and other smaller companies, many people don’t even know what they offer as an insurance provider.

Simply type your ZIP code into the FREE box to receive a list of car insurance companies available in your area!

Doing a search on the Internet could give you a list of insurance companies, but you would need to go different websites to compare information. By using a website that is specifically tailored for car insurance, you can find search tools that will allow you to compare several companies all in one place.

How can you save money on car insurance?

You think you have heard it all. A quick call can get you a lower car insurance rate, or switch to us and make your life perfect. Nevertheless, there are proven ways that you can reduce your car insurance costs with more affordable payments, sometimes without even changing your current insurance provider.

A good way to start is to contact your insurance agent to ask about all the discounts and incentives they offer.

Then, see if you are eligible. Even if you did not qualify when you originally applied, a change in your circumstances might make you entitled to them now. Some insurance companies offer loyalty discounts, but they’re more likely to apply these to your policy if you call to cancel.

The car itself may save you money on insurance. Safety features on an automobile are taken into consideration by insurance companies when determining rates. For example, anti-theft security elements, air bags, or even something as simple as anti-lock brakes could result in significant savings for you.

Many car insurance companies will offer a cheaper rate if you agree to make them the exclusive provider of all your insurance business. So, if you have a car plus a boat or a motorcycle along with renter’s insurance, you can decrease your monthly payments if you are willing to bundle them all under one policy. This can also serve to create a hassle-free billing cycle by allowing you to write just one check or make one electronic payment each month to handle all your insurance coverage.

You can also take a hard look at your present policy and remove anything that you don’t need. For instance, if you are insuring an older model car, you might want to do away with theft protection or if you hardly ever drive the vehicle, roadside assistance could be something to eliminate from your current policy.

The most impactful way to lower your rates is by driving responsibly and avoiding tickets and accidents. You can get more immediate gratification by signing up for telematics programs that track certain driving behaviors for a limited period of time. Many companies like Liberty Mutual offer a small discount up front. Then they apply a discount after a 90 day period.

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What factors determine your car insurance rate?

With every car insurance company promising to save you more money than the other guy, you may be wondering how this is possible. The simple answer is that auto insurance rates are not set in stone. Several factors determine your individual payment rate and each company can weigh them differently when deciding your personal quote. This is why it’s essential to get auto insurance policy quotes from more than one insurance company. You can compare insurance products based on your profile.

Your driving history is a large part of the decision making process. If you have more than a couple of accidents or moving violations on your driving record, you may find it difficult to obtain insurance. Age, gender, and experience are also considered, which could explain why a middle-aged mom would get a better rate than a teenaged student would.

The area you live in is an additional reason for variation in auto insurance quotes. Therefore, even if you reside in an upscale suburban neighborhood, you might have to pay more if your job is located in a less desirable area where the car will be parked while you are working. Even if your neighborhood is crime free and you have smart driving habits, you could pay more if you live on a busy road due to a higher risk of accidents just getting out of your driveway. The largest auto insurance companies have complex algorithms based on more than just a clean driving record.

Also, the type of vehicle you drive is important when applying for an auto insurance policy. It may be less expensive to insure a pre-owned family-sized sedan than a shiny new convertible sports car. While replacement cost is a factor, you might also save money by buying a new car if that new car has a wide variety of the latest safety features.

What are the best websites to find a comprehensive list of auto insurance companies?

Now that the Internet has become such an integral part of our lives, companies are responding by making efforts to provide everything we need at the click of a computer mouse. You can take advantage of this in your search for auto insurance companies whether you live in Kansas, San Antonio, or Los Angeles.

Perhaps the best approach to start is by visiting the National Association of Insurance Commissioners website. Here, you can get access to the insurance websites in each state to find out which auto insurance companies operate there. Most lists of insurance companies are broken down by state.

You can also try using one of the many search engines that are available. Websites such as Ezilo, give you just a list with links you can click on if you wish.

Unlike insurance company websites that are trying to entice you as a customer, search engines provide a simple, unbiased list of names.

You may also ask yourself if you need a full list of insurance companies. Most likely, you’re just looking for the best auto insurance company for you, which you might find in the largest car insurance companies. To make the process even easier, just type your ZIP code into the box and get a FREE list of auto-owners insurance rates from companies specific to your location, driving record, and other needs.