How to Get Cheap Car Insurance Quotes Online
Finding cheap car insurance online is a lot easier than most people think. All you need to do is type your zip code into a search box tool and in a matter of seconds you will be provided with quotes from various different companies. You can also filter these results by deductible amount to find the best deal for you.
However, just because you find a cheap car insurance quote online doesn’t mean that you’re getting the best deal in terms of what is covered and offered for that price. Keep in mind that the average cost of car insurance in the US is $1,592 per year. As well, just because you see a cheap quote doesn’t mean that you can’t further request another discount.
In addition to discounted rates, some sites offer discounts when bundling other types of insurance like homeowners or renters insurance. If you're looking for convenience, there are even websites that allow consumers to buy their coverage entirely online without having to speak with an agent over the phone!
If you’re looking for the best insurance rates with the best companies, this article provides information on how easy it is to get cheap car insurance quotes online.
What is a Car Insurance Quote?
You've probably seen commercials for car insurance, but do you know what it actually is? Essentially, car insurance quotes are a way to figure out how much your monthly payments will be.
There are many factors that go into figuring out the cost of your quote, and those factors depend on the lender you’re speaking to or the car insurance quote tool you’re using online. It will also depend on the type of coverage you’re looking for. For example, do you want comprehensive or collision? What about liability? Or do you just want the bare bones minimum?
Likewise, it’s best to compare quotes. So if you were going to buy a new car with no accidents on your record, you might want to get quotes from three or four different companies in order to see which company has the cheapest rates. Comparing these quotes helps you figure out exactly how much each company would charge based solely on your specific situation rather than making assumptions using general driver data.
How to Get a Car Insurance Quote Online
We’ll go over where to get a car insurance quote online below, but learning how to get one requires you to learn about what information you’ll need to submit. This can include:
- Your basic information, including your name, birthdate, and current valid address.
- Your driver’s license number.
- Your current auto policy (if you have one).
- Your driving history for the past five years (this includes simple tickets and moving violations).
- The vehicle information for the car you’ll be driving under the insurance.
- Information regarding how much you drive annually and what you use the car for.
A car insurance company will then take this information to basically assess your risk. Most applications can’t be completed without this information, so before you start to search for car insurance quotes online, be sure to have all of this on hand so that you can easily complete the forms!
Where to Get Free Car Insurance Quotes Online
Okay, now you’ve reached the easy part! Getting a free car insurance quote online in 2021 is pretty simple and often super fast. We’ll walk you through the specific steps of getting a quote online for a company like Jerry:
- Create an account. You can sign up in less than a minute for a Jerry account (something that’s not required for every company but is useful here).
- Compare rates. Once you have your account, Jerry contacts your insurance company on your behalf to get your current coverage details. Jerry, as your insurance broker, then analyzes your insurance needs to make sure you have the coverage that’s right for you.
- Receive quotes. Jerry compares prices from over 50 insurance companies to what you’re currently getting from your current policy. You then get three top options to pick from before every renewal to ensure you’ve got the best rate.
Is this more accurate than getting standard quotes online? Uh, yeah, a lot more accurate! When you enter your information online into a rates calculator, they’re often pulling quotes based on averages and data in your area for your age and car type. Therefore, it’s not that personalized.
When it comes to getting the cheapest car insurance quote, you’ll want to ensure the lenders have all of your information so they can make the most accurate decisions. A company like Get Jerry takes this one step further and does this for you, further decreasing the stress and hassle of the process.
Note: The average Jerry driver saves $879 per year. Learn more about it here.
How to Save More on Car Insurance
Some standard ways to save more on car insurance include asking for a higher deductible, bundling your car insurance with other insurance premiums, asking for a low mileage discount, and simply calling to ask for a cheaper price (this is what Jerry basically does on your behalf, for reference).
However, there’s another way to save more money to put towards car insurance if you can’t lower your premium. Get a Cheese Debit Card! With the Cheese Debit Card, you can earn cashback, earn money when you refer friends, and even access early direct deposit features to get paid up to 2 days early.
But, that’s not all. Check out the other perks:
❌ No Monthly Fee 🧀️ $5 cash bonus
❌ No ATM Fee 🧀️ Up to 10% cashback with every purchase/transaction
❌ No Overdraft Fee 🧀️ Potential Double Cheese Cashback
❌ No Insufficient Fund Fee 🧀️ Up to 3% Saving Bonus
❌ No Minimum Balance Requirement 🧀️ Early Paycheck
❌ No Int. Incoming Wire Transfer Fee 🔐 FDIC Insured