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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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Important facts to know...

  • Car insurance rates vary by state, local zip code, insurance company, vehicle type, and by household
  • When you’re looking for the cheapest car insurance rates, the key is to get several quotes so that you can compare
  • Some companies only target some client segments and getting quotes will help you find the company targeting you
  • You should complete traffic school to erase tickets whenever eligible so that you can’t be penalized with a surcharge
  • Before you take minimum coverage you should look for discounts that lower costs without sacrificing your protection

Insurance is one of those bills you can’t get rid of.

If you are like most Americans who own cars and drive them regularly, auto insurance is one of the many things that you must pay for. If you add up how much you pay for insurance over a lifetime, it could shock you.

Since the average premium for a year’s worth of full coverage in the U.S. is $841, you could pay may than $37,000 for coverage if you’re licensed for 45 years.

You can’t avoid paying premiums but you can find low-priced options if you’re a resourceful consumer.

If you’re about to start shopping for coverage, there are ways to keep your insurance expenses down, starting with comparing car insurance rates. Begin right now by entering your zip code above.

Here’s a guide that can help any consumer looking for cheap car insurance on their personal car:

Decide How Much Coverage You Need Before You Start to Shop Around

It can be very tempting to elect to buy a policy that includes only a basic amount of coverage so that you can keep your premiums low. This is one way to find cheap insurance but it’s not the route that you should take.

If you carry only state minimum coverage limits, you are leaving yourself vulnerable to serious and financially devastating losses.

To avoid putting yourself in a situation where you have inadequate insurance, you should decide on limits and coverage options that you need before you get a quote.

This will help ensure that you get quotes for only the right amount of coverage from the start. Here are some things to consider as you decide how much coverage is sufficient:

  • Liability – minimums vary by state, but most experts recommend that you carry $100,000 per person and $300,000 per accident in Bodily Injury along with $100,000 in Property Damage
  • Medical Payments – an optional coverage that you should carry if you don’t have medical insurance or you have high co-payments
  • Uninsured Motorist Protection – an optional coverage that you can reject that pays for your medical bills if someone hits you with no insurance
  • Comprehensive – pays for repairs to your vehicle if it’s damaged when your car is damaged in a non-fault incident like a fire, flood, or theft. You must have comprehensive if the car is financed
  • Collision – pays for damage to your vehicle if it’s damaged while the car is being driven. You must have collision if you are leasing or financing your car
  • Rental Car – pays for a rental if your car is damaged in a covered loss. Carry this if you don’t have an extra car and you can’t afford to be without a car while your vehicle is in the shop

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Know How Different Factors Affect Your Rates

Whenever you’re getting auto insurance quotes, several different rating factors will be considered to give you a personalized rate quote.

Carriers have base rates and then these rates will change depending on how much insurance you want and how your lifestyle, history, and habits affect your rating.

If you don’t know which types of rating factors are used to give you a quote, you could be shocked to learn that you’re paying more or less than people who are close to you.

Comparing your rates to someone else’s rates isn’t an effective way to determine if you’re paying too much for coverage. Here are the most common factors that are used:

  • Age
  • Gender
  • Marital status
  • Occupation
  • Vehicle usage and driving habits
  • Annual mileage
  • Garaging zip code when vehicles are parked
  • Vehicle type and classification
  • Credit rating
  • Driving record
  • Claims history

Be Sure to Get Credit For All of Your Driving Experience

Not only does your age affect your rates, so does your driving experience. If you’re 25 and you got your license at 16, you’ll pay less than someone who is 25 and was licensed at age 21.

Insurers believe that having more experience makes you a better and more responsible driver. This is why they look at your license to see when it was issued.

If you have held a license in another state, be sure to get a copy of your prior driver’s history. This will get you all of the credits that you’re eligible for if you’ve lived in multiple states.

If you don’t tell the insurer, they will only give you the credit for the time you’ve been licensed with your current number.

Combine Your Insurance for Discounts

If you have more than one car or you live with a family member, consider combining your insurance. When you cover more than one car with the same company, you will be eligible for a multi-car discount. It will save you money off of each car’s premiums.

Many auto insurance carriers offer multiple lines of insurance like life, health, disability, home, and boat coverage. If you decide to buy another line of insurance through the same carrier, you can save money off of your car insurance premiums.

The size of the discount depends on where you live and the company you’re getting coverage through.

Every auto insurance company sets their own rates. As long as the rates are approved by the state they are considered fair.

Your best option to find cheap car insurance rates is to get as many quotes as you can in a short period of time. If you don’t have the time to meet with several agents, use an online quoting tool.

This will give you access to instant quotes from reputable carriers who lead the market in insurance policy sales. Begin comparing quotes right now by using our free tool below.