Where to Get the Best and Cheapest Car Insurance Rates

Trying to find the best and cheapest car insurance can take hours, even days, if you don’t know how to do it. Here’s how to get cheap rates with top companies the easy way.

The Best Car Insurance Rates

In the days before the Internet, finding the best car insurance rate was a matter of calling a bunch of local insurance agencies to get enough quotes so you could compare them and choose the best one. And even then you weren’t sure you were getting the best rate because in most areas there were only a handful of companies to choose from, and many agents wouldn’t give you quotes over the phone.

Now, thanks to the Internet, you can get rates from multiple companies by visiting an insurance comparison website. These sites work with insurance companies who compete against each other to get your business. All you have to do is fill out an easy online questionnaire with your insurance information, then wait for your quotes.

Some of these websites feature an online chat service where you can ask questions and get advice from insurance experts (see link below.)

The Cheapest Car Insurance Rates

In order to get the absolute cheapest rate on your insurance, I recommend going three steps further…

1. As you fill out the questionnaire at the comparison site, make sure you request the highest deductible you can afford (this can save you up to 50% on your insurance premium) and get all the discounts you’re eligible for

2. Visit websites whose companies are known for cheap auto insurance rates such as Progressive, Geico, Amica, and Esurance. Get their rates and compare them to the rates you got from the comparison site.

3. After you choose the company with the cheapest rate, call them to see if there are any other discounts you may be eligible to receive and take advantage of them.