Car Insurance
Bankrate's insurance experts guide you through the basics of car insurance. Our exclusive approach can help you feel more confident in your insurance decisions.
Car Insurance Basics
How to save on car insurance: 7 ways to lower your rate
What is car insurance?
Best car insurance discounts
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Comparing online car insurance quotes can help you narrow down carriers with auto insurance rates that fit your budget and coverage needs. But with so many options to sort through, knowing where to start can be tough. Bankrate's insurance editorial team mapped out four steps to help you discover what coverage you may need and how to find it at the best price:
Determine your priorities
Insurance is a highly individualized product, and every driver has different needs to meet in terms of both coverage and budget. Are you willing to spend a little more for top-notch customer service, or is price the primary determining factor? Does your vehicle need special coverage, or are you looking for a standard policy with improved perks like discounts and the latest digital tools? Setting a budget and outlining your priorities will simplify the shopping process.
What can affect my car insurance quote?
Car insurance is like a fingerprint — car insurance companies may use almost a dozen different rating factors to determine your premium. Although these factors can vary depending on your state, some may include your age, gender, location, driving history and credit history. Additionally, the type of vehicle you drive and the level of coverage you select will impact the cost of your car insurance. With this in mind, the best car insurance quote will be different for everyone. The best way to find the cheapest policy that suits your individualized needs is to request free online car insurance quotes and shop around.
Bankrate Awards
The best in auto insurance for 2024
Our Bankrate Awards identified the standout insurers across a range of metrics. In our search for the best of the best, we analyzed average rates, coverage offerings, discounts, availability, digital tools, and third-party customer satisfaction and financial strength ratings.