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A Review of Top Comparison Sites for Your Auto Insurance Needs, What do They do and Which One Has the Best Rates, Plus Strategies to Help You Get Lower Rates

Getting car insurance is not nearly as difficult as you might think. Most auto insurance providers know that the best and easiest way to entice potential customers to sign on the dotted line is to offer a rate that is cheaper than the one they are currently paying. Before I go into the basics lets take a look at what firms offer some good deals or an easy way for you to compare quotes.

Top Comparison Websites for Car Insurance

Compare.com

Not only can you compare car insurance quotes with Compare.com you can compare other insurances including motorcycle insurance if you want. Pretty much whatever you are looking for the site has it. Plus the site offers the ability to compare car loans. I haven’t tried the car loan comparison tool, but it would be cool to compare your loan rate after you asked about a loan at your local bank.

Insurance.com

This site does pretty much the same thing as Compare.com minus business insurance. The interface goes a little more in depth since they can actually sell you a policy.

Quotewizard.com

Not as popular as the other two mentioned, but they insist it is the easiest way to compare quotes.

Comparison of rates by Compare, Insurance.com, & Quotewizard

Routed to Auto Insurance Company*28 Y/O Female35 Y/O Male45 Y/O Female
Compare.com ----> Allstate$1,578$1,623$591
Insurance.com ----> GEICO$1,494$1,476$639
Quotewizard ----> Statefarm$1,723$1,583$611

*The marker —-> means the affiliate site routed me to a main insurer. For example, Compare.com routed me to Allstate, but I received a quote from three other companies.

Note: Quotes were obtained by aged driver mentioned above which drives a 2013 Honda Accord, 12,000 mile per year and no major traffic violations.

Progressive.com

It was the first site to start comparing insurance quotes and was the first insurance site online. The site still has a feature to compare quotes, however, it would make sense they could make their rates always look the best. Overall, Progressive has competing rates against other top insurers.

Insurancequotes.com

This is another comparison site which offers health, life, home & property, plus car insurance. The quotes you get from this site will be comparable to any another. Since their quotes are free it would be worth a try to see if you could get a lower rate.

This graph compares the car insurance quotes of top comparison sites on the internet. Three top sites comparing quote for a 28 year old female and 35 year old male.

Compare.com routed to Allstate, Insurance.com routed to GEICO, and Quotewizard routed me to Statefarm

Quotelab.com

Another comparison site which I believe the company can sell you insurance too (not sure on that one, but I did see license’s on the site), and the great part is the interface is user friendly, when you land on the page you already queried for your state by IP and you can get a quote in about a minute or less.

RateKick.com

The cool thing about this site is you can sign right in with your Facebook account. No need to remember user-names or passwords. What is intriguing about Ratekick is they can compare all insurance companies. I did get quote and some of them seemed a little to low, but the system is really neat and easy to use.

Cheapcarinsurance.net

This site offers quotes in a flash. Once I entered my zip code I received a phone call in about 2 minutes. Even better, I was able to get a lower rate then what I currently have now. Personally, I couldn’t believe it and wanted to switch, but I was consumed with investigating for my article.

This is a second graph illustrated the use of top comparison sites and car insurance quotes retrieved for a 28 year old female and 35 year old male driver.

Insurancequotes routed me to Farmers, Quotelab routed me to Esurance, Ratekick, I don’t know, Cheapcarinsurance routed me to Allstate, and The Zebra routed me to GEICO.

TheZebra.com

Another comparison site for all types of insurance including business. What was nice about the site is I used my Phone to get a quote and the comparison system worked great. The only issue I saw was the load time for the site was a little slow.

Comparison of rates by Insurancequotes.com, Quotelab, Ratekick, Cheapcarinsurance.net, & The Zebra

Routed to Auto Insurance Company*28 Y/O Female35 Y/O Male45 Y/O Female
Insurancequotes ----> Farmers$1,693$1,574$613
Quotelab ----> Esurance$1,856$1,679$815
RateKick** ---- Don't know company$1,923$1,478$786
Cheap Car Insurance ----> Allstate$1,571$1,264$598
TheZebra ----> GEICO$1,476$1,212$532

*The marker —-> means the affiliate site routed me to a main insurer. For example, Quotelab routed me to Esurance, but I received a quote from two other companies.

**I wasn’t able to figure out which company I received a quote via Ratekick. They truly mean anonymous.

Autoinsuresavings.org

I was personally asked to check out this site on a mobile device to see how fast it would render. It was about as fast a Ratekick, but they have a mobile site, as with Autoinsuresavings it is responsive like The Zebra. I was able to get a quote about as fast as any of the other sites and the mobile version was user friendly.

Table List of Top Car Insurance Comparison Websites

RankWebsiteAdditional Insurance Offers
1CompareHome, Health, Small Business, Commerial
2Insurance.comLife, Home, Health, and Motorcycle
3QuotewizardHome, Renters, Health, and Life
4Progressive.comHome, Renters, Health, Commercial, Pet, and Mexican
5Insurancequotes Home, Health, Life, and Business
6QuotelabHome and Health
7RateKick.comHome, Life, Health
8Cheapcarinsurance.netCar Insurance Only
9TheZebra.comCar Insurance Only

In most cases, drivers that have stayed with the same car insurance for more than a few years typically pay more than is necessary. The same coverage that they are getting from their current provider could be obtained from another company for a fraction of the cost.

As you start shopping for car insurance, there are some quick and easy things that you can do to get the low rates you want. Whether you’re a new driver looking to get insurance for the first time, or an experienced driver looking to cut your rates, we’ve compiled five tips that will help you to buy the car insurance you want without spending hours attempting to negotiate a lower price with your current provider.

1. Compare car insurance quotes with other providers

When looking to buy insurance, there’s no better way to start than by comparing car insurance quotes. Depending on the insurance provider, your car insurance rates could differ dramatically. That’s why it is so important to see how much you’d pay with other providers before committing to a company.

When you compare car insurance quotes online, you’ll be able to see what you’d pay for insurance with each provider. Here at AutoInsureSavings, we make comparing car insurance quotes easier than ever.

Once you’ve found out the different rates, choose the cheapest 3, and then follow up with those companies to see who is providing the best coverage at the lowest price.

Importance of Comparing Auto Insurance Firms

Auto Insurance CompanyFirst Insurance QuoteSecond Insurance Quote
GEICO$965$1,013
Allstate$989$963
Progressive$1,009$1,104
Farmers$892$1,003
USAA$914$996
Metlife$1,006$1,056
State Farm$1,231$1,165
Travelers$1,468$1,562
Mercury$1,621$1,543
Auto-Owners$1,572$1,642

Note: This table illustrates the importance of shopping for insurance quotes. The same driver received rates from the same company which varied by more than 100 dollars in some instances.

2. Ask about discounts

Once you’ve compared quotes and found the cheapest price, don’t just settle for the quote that they give you. There are still more ways to save – most notably by asking for discounts. There are hundreds of discounts that are offered by insurance companies, and more than likely, you qualify for at least one or two of them.

graph showing how to get lower car insurance when comparing by applying discounts after purchase.

By getting more discount then combined them you can get as much as 22 percent discount on your car insurance premium.

Ask if the insurance company can provide you with any kind of paperwork that provides information on how to qualify for each of their discounts. There’s a good chance you’ll be able to qualify for a discount based on your employer. Even if that’s not the case, you could still qualify for a good driver discount, or for taking a defensive driving class.

After the discount has been applied to your account, make sure to check that it is still there every so often. Insurance companies like to remove discounts, particularly if there has been a change in their systems.

3. Get your driving record cleaned up

High risk drivers aren’t the only individuals paying more for car insurance due to poor driving habits. In fact, minor speeding infractions or an accident or two can send your rates through the roof, even if you aren’t labeled a high risk driver.

By being a more careful driver on the road, you’ll be able to clean up your driving record. As a result, you’ll see a nice drop in the amount you have to pay for car insurance.

More Useful Articles to Help You Save

25 Tips For Cheaper Insurance
Advantage to Comparing Quotes
What You Can Do Now to Save on Your Premium
More Tips
Ten Best Auto Insurance Firms
What Every DUI Offender Should Know

4. Reconsider the car you drive

You finally got that Camaro or other sporty car you’ve always wanted, only to find out that your insurance payments just doubled. Believe it or not, the car you drive can greatly impact the amount you pay for your car insurance. If you want to be on a budget, you need to make sure that you’re driving a car that doesn’t cost an arm and a leg to insure.

By choosing to drive a reliable and affordable car, you’ll be able to reduce the amount you pay for your car insurance premium by a fairly significant amount.

5. Evaluate your coverage

While not always recommended, another way to buy car insurance is to purchase a policy that provides less coverage.

One of the more common ways people reduce the amount that they have to pay for their insurance premium is to increase their deductible.

chart showing the affects of altering your deductible against other factors such as discounts.

By raising your deductible you can affect your price by 45 percent since you take on more risk.

By raising the deductible from $500 to $1000, you’ll be able to cut a nice chunk off the amount you’ll pay for your car insurance.

Final Thoughts

While these 5 tips will certainly help you to buy an affordable plan, they aren’t the only ways to go about doing it. By doing a little research, you’ll find even more things that you can do to reduce your car insurance premium even more. 

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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