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Click the “Get Quotes Now” button above to get started
Fill out one simple online questionnaire
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Choose the policy that’s right for you and save
You have a choice - you can spend hours of your time calling and visiting your local insurance agencies, or
you can spend a few minutes with us and get numerous quotes from top-rated local agencies, and national
insurance companies in all 50 states. You’ll receive the best auto insurance rates from some of the best auto
insurance companies in the U.S.
Many of our customers have saved $450 a year or more on their auto insurance policies. Just click on the
"Get Quotes Now" button above to see how much money you can save. It's quick, it's easy, and it's free!
Auto Insurance FAQs
Why do I need auto insurance?
You need auto insurance because it protects you against the huge costs involved if you have an accident.
And you need it because it’s the law.
All states in the U.S. require you to have some type of insurance. To find the minimum insurance
requirements for your state, visit your state’s department of insurance website. To go to your state’s site,
click on this link: http://www.naic.org/state_web_map.htm, then click on your particular state.
What is auto insurance and what does it cover?
An auto insurance policy is a contract between you and an auto insurance company that protects you from
financial loss. The policy sates that the auto insurance company will pay for all losses caused by an accident
that are listed in the policy. A standard auto insurance policy provides you with a variety of coverages …
It will repair or replace your car if you have an accident
It will pay for your medical bills if you have an accident
It will pay for damages and legal fees in an accident-related lawsuit
It will pay for damages due to vandalism, theft, or natural disasters
How can I get cheap auto insurance?
Compare insurance quotes - Click on the "Get Quotes Now" button near the top of this page to get quotes
from top-rated auto insurance companies. Then compare those quotes to find a policy with the best rate
that fits your needs.
Raise your deductible - When you fill in the online form to get your quotes make sure you enter the
highest deductible you can afford. Increasing your deductible from $250 to $500 can save you up to 30% on
your monthly premium. Raising it to $1,000 could cut your premium in half.
Get discounts - To get the cheapest car insurance rate be sure to include all the discounts you’re eligible to
receive when you buy your insurance. Standard discounts include:
A safety discount if you have safety features like seat belts, airbags, and anti-lock brakes in your car
A security discount if you have an anti-theft device in your car
A low-mileage discount if you drive less than a predetermined number of miles a year
A safe driver discount if you haven’t had an accident in the last 3 to 5 years
A senior discount if you’re 55 years old or older
A multi-policy discount if you insure your home and auto with the same company
A multi-car discount if you insure 2 or more cars with the same company
A good student discount if you’re a student with a grade average of 3.0 or higher
A good credit discount if you have a good credit score
A driver’s ed discount if you’ve taken a driver’s education course
Eliminate unnecessary coverage - Drop collision coverage, comprehensive coverage, or both if you own an
older model car and the cost of your annual premium is the same or more than the value of your car.
How do I know if an auto insurance company is reputable?
Visit you state’s department of insurance website to see if they are licensed in your state, and to see if there
are any complaints against them. To find your state’s site click on this link:
http://www.naic.org/state_web_map.htm, then click on your particular state.
To check the financial rating of an insurance company and their ability to pay claims, visit Standard & Poor’s
website at http://www.standardandpoors.com.
What are the various types of auto insurance coverages?
Liability coverage - This coverage is required in most states. It pays for damages and legal fees if you have
an accident and injure someone or damage their property.
Collision coverage – This pays for damages to your car if you hit another car, if you’re hit by another car, or
if your car rolls over.
Comprehensive coverage – This pays for damages to your car caused by vandalism, theft, hitting an
animal, or acts of nature.
Medical coverage – This pays the medical expenses of anyone who is injured in your car during an
accident, regardless of who is at fault.
Uninsured/underinsured motorist coverage – This pays for your damages and medical expenses caused
by an uninsured or underinsured motorist.
How do I compare auto insurance quotes?
Simple. When the quotes come in make sure you check to see that they all include the coverage you want.
Check the amount of collision coverage, property damage coverage, uninsured/underinsured motorist
coverage, and bodily injury coverage each quote provides. Then choose the company whose quote has the
best coverage at the best price.
Lastly, check the company's financial rating at http://ambest.com or http://standardandpoors.com, to make
sure they have the financial backing to pay your claims.
Can I get affordable high risk auto insurance?
High risk auto insurance is an auto insurance policy that is issued to a high risk driver. You may be
considered a high risk if you had your license suspended or revoked, if you are 70 or older, if you are 20 or
younger, or if you have a past history of auto accidents and traffic violations.
In the past, high risk auto insurance was so costly many drivers could not afford it. But now there are
companies who specialize in providing affordable high risk insurance. To find out if you qualify, click the "Get
Quotes Now" button at the top of this page.
Who has the cheapest auto insurance?
Most people have discovered that the smaller, lesser known companies have the cheapest rates because
they don't spend the millions on advertising that the big companies do, and can pass on the savings to you.
Many of these smaller companies are rated as high, and in some cases higher than the big companies.
Because there are so many variables when it comes to insurance rates, such as the make and year of your
car, your driving record, where you live, and even your credit rating, it's impossible to say who has the
cheapest auto insurance. What you want to know is who has the cheapest insurance for you, and the only
way to find that out is to compare quotes from a number of different insurers.
What are the best auto insurance companies?
The best auto insurance companies are the ones the have the highest financial rating with ambest.com and
standardandpoors.com, the best consumer rating with jdpower.com and consumerreports.org, plus the
least amount of consumer complaints registered at your state's insurance commission website.
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