How To Effectively Compare Car Insurance Rates

Last Updated on March 22, 2018 by Jason Mason

Car insurance is a must if you are legally driving and these days, it can be quite a challenge to pick the best car insurance for you. And though it is a common strategy to compare the rates of different insurance companies, not everyone knows how to effectively do this. For you to be able to effectively compare car insurance rates, you should employ the following strategies:

Get Three Quotes

Insurance rates these days are very competitive and it is not surprising to see insurance providers extending their services and courtesy to get your business. The first thing that you should do when trying to get the best car insurance rate is to get at least quotes from three reputable auto insurance providers. Note that the word “reputable” is used. Try to get the best quote that you can from three insurance providers and then start comparing them from one another.

Liability Coverage Limit

Liability insurance pays for car repairs and hospital bills of the other driver in case you got involved in a car accident and you are the one responsible for it. Every state has a minimum insurance requirement, however, keep in mind that minimum coverage may not be enough in case the extent of the car accident is serious. Since not every insurance quote includes a matching coverage limit, it is important that you make a separate comparison of each insurance company’s liability coverage. Do not be surprised if the most affordable quote comes with less coverage while the most expensive comes in full coverage. Make the best out of comparing each one’s coverage in relation to the quote provided to you by these companies.


This refers to the amount of money that you have to pay up front when you file a claim and is an addition to the monthly premium that you pay for an auto insurance policy. A policy that requires a higher deductible will have a lower monthly premium, while a lower deductible often comes with a higher monthly premium. When making a comparison between auto insurance rates, make sure that the deductibles are at least close to each other.

Uninsured Motorists

On the other hand, there is at least one motorist out of seven who is uninsured based on the Insurance Research Council report. And finding yourself in an accident with an uninsured motorist can be financially troublesome and this particular coverage does not normally come with insurance policies so make sure that the auto insurance companies you are picking offer this option. It is very vital that you thoroughly examine what each auto insurance has to offer if you want to get the best auto insurance rating.