How to Get the Lowest Auto Insurance Price Quotes

By Jim Dugan

Most every auto insurance provider, including regional insurers and big brands, are willing to compete for your business by offering cheap car insurance. Here’s how you can get the lowest auto insurance price quotes for your car or truck.

1) Compare and contrast providers. Just because you recognize a company from a commercial, don’t assume it will give you the lowest rates. The biggest brands tend to spend a lot of money on TV advertising. In turn, they sometimes have to increase their prices to cover this investment. If you want the lowest auto insurance price quotes, give smaller providers a chance to compete for your business.

2) Ask about pay-per-mile or usage-based insurance. If you are an especially safe driver who does not log a lot of miles, consider pay-per-mile insurance or a usage-based insurance program. By opting in for these programs, you let your insurer track your driving in exchange for potential discounted rates based on when you drive, how much you drive and how well you drive.

3) Look for discounts. You might think your rate is entirely dependent on your age and driving record. If you know what to look for, however, you can get low car insurance rates by looking for discounts. Many insurers provide a range of price breaks for customers who:

  • Insure several cars on a single policy
  • Pay an entire six-month or annual premium up front
  • Bundle their auto insurance with homeowner’s insurance
  • Own a vehicle with safety and anti-theft features
  • Agree to receive all documents via the internet

You can also get special car insurance rates if you are a member of specific affiliate groups or professional organizations.

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