When it comes to auto insurance, rates vary widely, even for just one person. One company may find you to be a high risk and give you a high rate, while another may find you to be a decent driver and give you a lower rate. There are 7 major companies that insure most people in the US, as well as smaller regional companies. It’s a good idea to try to get the best auto insurance quotes from both the big name companies and the smaller ones. Evaluate your options carefully.

In order to provide you with accurate options, auto insurance comparison sites will require you to provide them with some details about your driving history, zip code, current vehicle, etc. Even if you have a good driving record, there could be other factors that could affect the quotes you receive, including your city, state, vehicle make and model, and even your credit score. If you’re a student, you may be able to get a discount if you get good grades. There may be an option for a discount in your area if you complete a defensive driving course.

Decide whether or not you need collusion and compensation insurance. Please note that this will only pay you for the current market value of your vehicle if it is stolen or has to be totaled. The cost of carrying this coverage may very well cost you more than the replacement value of your vehicle would be. This is often the case for those who drive older models or cars with high mileage.

Discount packages with the best auto insurance quotes

If you need other types of insurance, “bundle discounts” are usually available. You can often get the best auto insurance quotes by bundling multiple vehicles, as well as insuring homes, property, and other valuables.

Decide what you want to do with your deductible. The higher the deductible amount you agree to pay out of pocket, the lower your insurance payments will be. However, make sure you have enough money in an emergency savings account in case you do have an accident. You don’t want to be caught off guard.

When comparing the best auto insurance quotes, read the fine print carefully and make sure you understand any additional fees. Some companies will charge you simply to process the paperwork. You can save money by setting up automatic electronic payments. If you still prefer to pay manually, what will be the late payment fee in case I miss a payment or can’t make it on time?

Getting the cheapest auto insurance possible is something that should be reviewed every 5 years, if not more. The cost of car insurance is always changing, as is your driving record. It is definitely a good idea to search for the best auto insurance quotes on esurance. It is a very simple site to use and you can easily compare multiple quotes in no time.