Compare car insurance rates by going online to one of the many Web pages offering car insurance comparisons, such as Geico, NerdWallet or Esurance. Use these services to get real quotes from various companies, and compare them side by side. Not all services participate in quote comparison searches, so visit those sites independently to acquire and compare their quotes, advises edmunds.com.
It's important to choose a top-rated insurance provider, because going for the cheaper insurer often comes back to cost consumers even more, according to ConsumerReports.org. Some insurers give very low insurance estimates to reel in customers, but do so by providing lower than realistic loss estimates or by working in tandem with repair shops that do low quality work. As of 2015, the three top-rated insurance companies according to a consumer survey are USAA, Amica and the New Jersey Manufacturers Insurance Company.
Always maintain the same coverage limits when conducting quote comparisons, advises edmunds.com. When consumers search for lowest prices, it can be easy to overlook crucial differences in coverage offered and mistakenly believe that a low rate is offering the same service coverage as other slightly higher rates. Call companies that don't provide online quotes via telephone, and have the agent email the quote to retain price confirmation.