What is TRULY the cheapest car insurance?

Question

I am looking to get a second car and I really want to know what the cheapest insurance is. (I am 17, so the insurance will be high anyway) There are tons of commercials for Esurance, Progressive, Allstate, etc, etc but really what is the cheapest? I'm just looking for liability insurance, nothing else, bare minimum. Have any of you switched to one, and what have you saved? Thank you!!

Answer 1

if you only carry liability, it should be the same no matter what company you go through.  the state sets liability limits and you are not insuring your car but everyone else.

Answer 2

The cheapest I've found is through an independent agent with a smaller company that is only in a few states and doesn't feel the need to spend all their money on advertising on tv.  All of those websites were always more then what i'm paying now.  There is no company out there that will be the lowest price for everyone.  There are too many variables that go into it such as age, violations, type of car, where you live, vehicle usage, etc, that no one will be able to tell you the lowest for you.

Answer 3

The TRUE answer is you need to shop around.  Different companies figure their rates differently based on a series of factors about *you.*  Depending on their current consumer base, they probably figure how much of a risk you are.  So shop and compare.  You'd be surprised at the differences you'll see.

Answer 4

For automobile insurance the best way to get a fantastic rate is do a policy comparison on auto policies. Make sure that you compare similar policies with the same deductibles, car make, zip code, etc so that all things are a good comparison.



What I always recommend is an internet comparison quote at http://www.InsureAutoNow.info since they have lots of insurers and can give multiple quotes on auto insurance polices.

Answer 5

For auto insurance the quick way to get a cheap quote is do a auto policy comparison. If you choose the same coverage amounts, you can get an accurate quote to compare against others. Use the same city/state, auto make/model, mileage and driving history to make sure you get an apples to apples comparison. To get fast auto quotes, go to http://www.easyautoinsuranceguide.com and you can compare all the major auto insurance companies.