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Yes we know buying insurance is boring and probably the last thing you want to be shopping around for online. So we’ve made things easy for you. We’ve convinced every insurance company worth their weight in “customer service” to provide you with comparison rates, so you can quickly find the lowest rate in your state. Get your quote now.

Not ready to do quote? Need to get educated? Learn about the different types of coverages, read insurance company reviews, and get answers to your car insurance questions. Below you’ll find even more ways to learn about car insurance, if you can’t find what you’re looking for feel free to contact us.

• If you have no prior car insurance or are new to shopping for insurance online read our guide: First Time Buying Car Insurance Online
• Get tips on: Buying Insurance for a Used Car
• Want to cancel your existing policy? Read: How to Change Insurance Companies
• Have a insurance question? Ask a Professional.

Which companies provide cheap car insurance?

It is important to remember that in general, no insurance company is known as providing the “cheapest auto insurance”. This is because each insurance company varies differently on how much they charge drivers. Why do insurance companies do this?

Insurance companies rate each driver differently because they each have a different market they are going after. Some insurers mainly want good drivers over 35 years old, some want high risk drivers over 40 years old, and some want safe drivers under 25. Since they are not allowed to deny you coverage because of a discriminatory reason such as age, each company raises the rates of drivers they do not want and lowers the rates of drivers they do want. By doing this they hope to attract the customers they believe will bring them a profit and push out the customers that are going to have them pay out claims. Therefore, it is up to you to find which company is going to give you cheap auto insurance. Luckily, we’re here to help.

Shop Online

As you can see finding insurance quotes for cars is more about finding the company that wants you. The best way then to get the most affordable car insurance is to shop around, compare rates and get free online auto insurance quotes. This way you’ll be able to see which companies don’t want you as they will give you a higher quote and which ones do as they will provide you with a low cost quote.

What is the minimum coverage requirements in my state?

Regulating the insurance industry is the responsibility of your state government. Their job is to protect consumers from unfair practices imposed by insurers, as well as to pass the laws that govern drivers within their state. One such role your state government will play is setting up the minimum amount of liability insurance all drivers are required to carry. Since each state governs works differently, each state has passed different minimum liability coverage limits.

For instance, Alaska and Maine have coverage requirements as high as $50,000 for bodily injury per person, $100,000 for injury to all persons in an accident and $25,000 for property damage. You will see this commonly written as “50/100/25″ in your policy package or insurance sites. States such as Louisiana and Florida have much lower mandatory coverage limits such as $10,000 for bodily injury, $20,000 for all persons involved in the accident and $10,000 for property damage (10/20/10).

To find out the coverage requirements in your state visit our page State Auto Insurance. You’ll also find additional information specific to your state such as how to file a complaint and coverage options.

What are the different types of automobile insurance coverages?

Car insurance coverages are fairly standard for most personal policies with a few exceptions from state to state. We usually break down coverage packages into two types: “full coverage” or “basic coverage”. The difference between these packages is that “full coverage” combines liability insurance with physical damage coverage (made up of either collision and/or comprehensive coverage). Below we explain, in simple language, the most common types of personal policy coverages.

Choose one to learn more:

• Bodily Injury Liability
• Property Damage Liability
• Comprehensive Coverage
• Collision Coverage
• Uninsured and Underinsured Motorist Coverage
• Personal Injury Protection
• Medical Payments

Why do I need car insurance?

All states in the US have made it illegal to drive without valid car insurance. In most states, you must show proof of insurance in order for you to register a new vehicle or renew your license plate tag. Also, the police make it a regular routine of asking for proof of insurance when you are stopped for a traffic violation or when you are involved in an accident.

There are a range of penalties for those caught for driving without proper auto insurance depending on the severity of the infraction. In most cases, a first time offender will receive a “Serious” ticket for “Driving Without Insurance” which will usually result in a 6 or 12 month license suspension. Additionally, the offender will have to pay a fine of as much as $5000, and if they are a repeat offender they can face up to one year imprisonment.

Also, keep in mind if you are convicted for driving without insurance when you go to buy a policy you are going to be hit with a severe surcharge. This could mean you are paying upwards of 50% to 100% more for your premiums. So why wait, save money by getting your free online auto insurance quote today.