Find the best car insurance rates and the most affordable prices online. Our website has one simple purpose: To find the lowest auto insurance premiums offered by the top-rated companies and share them with consumers. With us, you get cheap fast quotes, special discounts, and expert and unbiased guidance. Utilizing our free quote box at the top of the page will instantly allow you to view the best offers from multiple carriers. State minimum, preferred, and high-risk coverage is available. Commercial and small-business options are also offered.
We also make it easy to apply for these policies, so you can start saving money as quickly as possible. Next-day (and same-day) effective dates, low down-payments and license reinstatement are also available. Regardless if you are a young driver or Senior, preferred risk or high risk, or currently covered or uninsured, we can help you pay less. If you need special ridesharing coverage for Uber, Lyft, or other companies, we can also provide the best options.
Through a combination of ultra-modern software, 38 years of experience in the business of insuring automobiles, and understanding and monitoring underwriting guidelines, we know we can save consumers money. We study trends and information regarding different carriers, and why, how and when they charge their best premiums. If any company files with the state and requests an increase above 7%, we'll let you know. If any carriers stop writing business in your state, usually, you'll know before most other policyholders.
We understand why a specific carrier has such a good deal and whether it will continue. Understanding the price history helps predict how long this "good deal" is going to stay. For example, an inconsistent pattern of price hikes and reductions doesn't help predict future premium trends. And of course, a low customer-satisfaction survey result will immediately result in further investigation of that carrier. The ideal choice for consumers offers the best rate, fast claims service, and many available discounts.
We also understand that no two states are the same. Rates in California, New Jersey and Connecticut will always be higher than rates in Wyoming or Ohio. That will probably never change. Prices in Philadelphia will probably always be higher than prices in Cincinnati and Indianapolis, because of the cost of auto repair and the makeup of drivers. And unless weather patterns and aggressive drivers change in Michigan, the Great Lakes State will continue to have high rates. NOTE: Many Michigan suburbs, such as Lake Orion, actually feature very attractive rates.
But regardless of where you live, we monitor the major companies in your area so we can provide accurate information that helps you compare the best offers. We annually review and audit companies to better understand how they operate and what their future pricing may be. This comprehensive analysis helps us show you the best offers.
It's also important to educate consumers regarding a wide range of topics including minimum required liability limits, best available discounts from specific companies, the impact of your credit score on the premium you pay, and the best and worst time to shop for new coverage. Of course, there are hundreds of different topics we will cover, and all are designed to help you find prices for your auto insurance or any other related-product. NOTE: Not all companies utilize credit when determining your premium. If your credit is poor, we will show you the carriers that will not consider your financial situation.
Part of the education process is to keep current. We update all of our content on a regular basis. For instance, if Progressive starts to offer a new cost-saving feature for senior drivers, it will be reflected in the free online quotes that you view. If your 30th birthday is in a few weeks, and that lowers your premium (and with some carriers, it will!), you will see the difference. And of course, if an insurer is planning on raising their rates, you'll know about it.
Unless you properly compare rates, coverage, cancellation practices, AM Best/ Moodys ratings and underwriting guidelines of every large insurer, you will not have a complete snapshot of information needed to make an informed decision. But who has the time to handle those tasks...not just every few years, but every week? You don't, but we do! That's our job.
Once you provide your zip code, we go to work. At that instant, we review prices, coverages and underwriting guidelines and match them with the information you furnished. But not just one or two carriers, but many more. Comparing the cost of 10 companies will yield bigger savings than just looking at a few. We'll highlight the two or three best options to simplify the comparison process.
And that's because there are big differences in the offers you will receive. Although the lowest offers are the ones we want you to see, you can request to see prices from all companies that are licensed to issue policies in your state. A simple written request is all that is necessary.
Understand That Every Situation Is Different
This is very important. Here is an important example. Suppose you and your identical twin brother or sister live next to each other. Your driving record, credit report and claim history is identical. The only difference is the vehicle you own. You drive a 2017 Honda Accord. Your twin drives a 2016 Ford Mustang GT. It's highly possible that (this is just an example) Progressive will be the best option for yourself while Farmers offers more competitive pricing for your sibling. Or vice versa.
And sometimes, the only difference with two identical situations is a moving violation a few years ago. That can completely change the dynamics of which company offers the most competitive rate.
Auto insurers have very different underwriting requirements and guidelines, so consumers often find the process confusing and unpredictable. That's what we excel at- comparing the best and cheapest prices for insuring your vehicles. Whether you have multiple violations, or have been ticket and accident-free for your entire life, the best auto insurance rates are just moments away.