Auto Insurance Quotes (Complete Beginner’s Guide)

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

How do I get auto insurance quotes? Do I have to pay for them? What is the secret to getting the best car insurance rates? This article is for people new to car insurance or for people who haven’t had it in a long time.

Can I Get Car Insurance Online?

Yes! In fact, getting car insurance online may be the best way to get it. Like retail companies, insurance companies save money when you buy online. Then they can pass those savings on to you.

Shopping for insurance online saves you from most high-pressure sales tactics. Also, it will allow you to check multiple places for quotes in relatively short amount of time. This can be far less challenging than driving around town to different agents.

People used to pick their insurance by visiting a family friend who sold insurance. Although you are welcome to try that method, it may not be the best way to get quotes.

Usually apps and websites are the best options. They can also take less time than driving to offices or calling several agents. Because of that, I always recommend looking online first.

Are Car Insurance Quotes Cheaper Online?

They can be cheaper online! Because someone clicking on a website is almost free to the company, many insurers will give you a discount for buying online. You can use this to your advantage. Even just saving $20 a month can mean an extra $240 a year!

Getting car insurance quotes online as has the advantage of saving time. Instead of driving around town or making many phone calls, you can just visit a few websites. You can even shop for rates while watching TV.

Between saving time and saving money, online auto insurance quotes are the right way to go!

How To Get Auto Insurance Quotes

There are multiple ways to get quotes online. Generally, the best way is to visit each company’s website and fill out the form for a quote. Although this is time consuming, it is worth it. Saving even a few dollars a month can really add up over time.

If you must, you can call several insurance agents in your area. However, most only represent one insurance company. The agents who represent more than one company may be even worse.

Since insurance sales agents represent the company, they may not put you first. They usually put their commissions first. If you talk to them, double check the rates they quote you.

There are websites that will compare rates for you. But should you use them?

I would recommend always double checking with the carrier’s website before you pay your premium. For example, if you find that Progressive has the lowest rate on a comparison site, go to and see what they quote you. Read to learn more about them below.

Should I Use A Comparison Site?

Comparison sites promise several quotes from multiple insurance companies. However, the insurance companies have to compensate the website owners if you sign up. This makes their costs go up. As their costs rise, so do their prices. Sometimes you may get a cheaper rate on the company’s website.

However, these sites are a good place to start. They can give you a good idea of the cheapest carriers in your area. From there, you can go to those companies’ websites and get a quote there. You may be surprised at the price difference.

When I worked at an insurance agency, I found out that some of the policies we wrote were higher than if you bought directly from their website. At first, that angered me. I didn’t want to give people a bad deal.

However, it started to make sense when I thought about it from the company’s perspective. If they have to pay a commission for a policy, they have to make up that cost. However, if you type in their website, they may not have to pay a commission at all.

Does It Matter Which Insurance Company I Chose?

Short answer is no, not really. The biggest differences are in the customer service and certain extras. For example, some carriers include roadside at no cost. However, the coverage options are virtually the same across companies. Usually, the coverage should be the exact same.

So when you find a cheaper rate from a company you don’t know, go ahead and sign up with them. You really have nothing to lose.

Can Auto Insurance Rates Change?

Yes! Auto insurance rates can change every day. In fact, nothing stops them from changing every minute. My rule of thumb is to expect about the same rates for a week.

It may vary a bit but usually doesn’t change too much during that time. Of course, there are no guarantees. So it may actually be a good idea to jump on a good deal when you see one.

However, it can be horrible to rush on a high rate. This is why I recommend getting at least 10 car insurance quotes before making a decision.

Generally, I see very little change in rates over a few days. If your choice is to go with the first company you chose or risk rates going up, do the later. You probably will save more money in the long run.

Don’t be too afraid of rate increases. It is also good to know that you can change policies whenever you would like. If you paid your premium but found a better rate, you can sign up with the new company. Then the old company will prorate your payment and refund you the rest.

Which Rates Are The Best?

The cheapest rates are usually the best! The name of the company does not matter. So chose the lowest rates. The coverages you buy are mandated by law. If you’re in an accident, any insurance company has to cover you. They can’t deny your claim to keep your money. They must actually pay all their requirements.

You must ensure you have enough coverage to meet your needs. For example, most financed cars will require full coverage insurance. If you are a homeowner, you will want higher liability limits. I would recommend at least 100/300 liability coverage for homeowners.

What Coverages Do I Need?

What coverages do I need to legally drive? That actually depends on your state. Each state gets to set the law that determines how much coverage you have to have, at a minimum.

However, most drivers would benefit from other coverages. Depending on your situation, you may even require a few extra coverages.

What Is Liability Coverage?

Liability coverage is for accidents where you are at fault. It coverages damage to the other vehicle and the medical bills for the other people. Each car insurance policy has a limit on how much it will pay out. This often will prevent you from having to pay to fix another person’s car.

Liability is essential coverage. This is primarily what every state requires. Most car insurance companies cannot sell you a policy without liability coverage built in. Florida would be a clear exception. They require property damage coverage instead as they are a no-fault state.

What Is Collision Coverage?

Collision coverage, as the name suggests, is for when you are in a collision accident. You can use it to have your car repaired if the other driver’s insurance doesn’t pay for it. This allows you to get your car back. If your car is totaled, they will write a check for the value of your vehicle, minus your deductible.

While they will cover the cost of your repairs, you will be responsible for your deductible.

What Is Comprehensive Coverage?

Comprehensive, also know as other than collision, will cover damages to your vehicle when it’s not in a collision accident. If hail rains down and damages your car, it’s a comprehensive claim. If a deer runs into your car and smashes the front of your car, it should be covered by comprehensive coverage.

What Is Full Coverage?

Full coverage is liability with comprehensive and collision coverage. In fact, it is very uncommon to have either collision or comprehensive separately. Full coverage is usually what drivers need.

In fact, if you have a car payment, you’re probably going to need full coverage.

If your car is newer, you probably want full coverage. If you live in an area with crazy drivers, get full coverage.

What Is Uninsured Motorist Insurance?

What happens if some hits your car and they don’t have insurance? Or what if you have a hit-in-run?

Uninsured motorist insurance will cover you in those situations. Everything from mystery door dings to having your car totaled while it’s parked on the road should be covered.

What Is Underinsured Motorist Insurance?

What if the other driver only has the state minimum and you have a nice car? While, you might be able to recover damages above the state minimum. This would make driving a $100,000 car much riskier in most states.

This is where underinsured motorist coverage comes in. They will pay the difference in your expenses and what the other insurance company pays.

What Is Medical Payment (MedPay) Coverage?

Medical Payment Coverage that helps pay the medical bills for you and your passengers. It will help with those bills no matter who has fault in an accident. It’s available in non no-fault states. It can help you with:

  • Health Insurance Copayment and Deductible
  • Doctor Visits Costs
  • Surgery and Imaging Costs
  • Ambulance and EMT Costs

The coverage is usually optional. It can be a good idea if you are worried about having to pay for those services yourself.

What Is Personal Injury Protection Insurance?

Personal injury protection covers your medical bills. In some states, your insurance pays your medical bills. This can actually lead to lower rates in some circumstances.

Here are a few states that require personal injury protection:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

What Are The Differences Between Medical Payments and Personal Injury Protection?

Personal Injury Protection is required in states where it is offered, called no-fault states. But Medical Payments are always optional in states where is it offered.

Personal injury protection can also help cover lost wages and child care.

What Is Gap Insurance?

If you buy all your cars in cash, don’t worry about Gap. Gap insurance covers the difference between the value of your vehicle and what you owe on it. If your car is totaled and was worth $10,000 but you owe $12,000, gap would cover that difference.

As most people are underwater in their vehicle, I would recommend considering gap.

What Is Towing And Labor Insurance?

This is an optional coverage. It usually is used to tow your car if you can’t drive it. Sometimes this is after a car accident but it can be used if you need your car towed to a shop.

In addition to towing, it may cover tire changes, gas, oil and water delivery, battery and lockout services. These can be an absolute lifesaver when you are stranded someone.

What Is Rental Reimbursement Insurance?

As the name suggests, rental reimbursement insurance will cover the cost of transportation expenses. If your car is in the shop after an accident, it will cover the cost of the rental. It may also cover public transportation fare. If you have to take a taxi, it may cover that too.

Of course, this only applies after a car accident. It is an option coverage you can add to you policy. No policy should require it.

The coverage on each policy has limits. It usually is somewhere around $20-50 a day. There may also be a limit on how many days they will pay for. After that, you will have to pay out-of-pocket. However, there usually is no deductible for rental reimbursement insurance.

What Is Classic Car Insurance?

You may think you would need the same insurance for a classic car. You would be wrong! Classic car insurance can give you a great value while better protecting your class car.

Normally, car insurance only covers the actual cash value of your car. Kelly Blue Book can give you an idea of that. However, you’re classic car may be worth a lot more money!

For example, they may think a 1992 Ford Mustang is only worth $1,000. But you know it would cost at least $10,000 to replace it. Classic car insurance covers the value you specify or appraised value. In my experience, they often have some of the cheapest rates.

Your car may be a classic car as long as it is at least 19 years old. You may also need to drive fewer than 7,500 miles a year to qualify. It will have the same types of coverage as other policies. Because these policies are some of the cheapest, it is worth it to have a separate policy for your classic car.

For example, your household may have a red 1992 Mercedes 500SL, a 2018 Honda Civic and a 2020 Ford Focus. You would want to put the Mercedes on one policy with the other two on a regular car insurance policy.

That way, you can save money but still be fully covered.

What Is New Car Replacement Coverage?

Are you worried about needing a new car? Unfortunately, even with full coverage, usually the insurance company will only pay you what your car was worth before the accident. This may not be enough to replace the vehicle you drive.

Let’s say you buy a brand new $25,000 car. If you get in an accident after owning it for 3 years, it may only be worth $7,000. If that’s the case, you may not even be able to replace it with a comparable car. New Car Replacement Coverage will help you get a new car after an accident. It is an optional car insurance coverage.

With some carriers, if your car is two years old or older, they will full replace your car with a new one. This is great for new car buyers. If having a reliable vehicle is worth buying a new car every few years to you, this is probably a coverage you would want to add to your car insurance plan.

What Is Ride-sharing Coverage?

Do I need new car insurance if I am doing ride sharing, such as Uber or Lyft?

Since ride sharing is business use, most personal car insurance policies won’t cover you. However, the most common rideshare companies do offer protection while you are actually driving the customer. This creates a confusing situation.

To remedy that, several car insurance carriers have made policy coverage options just for ride sharing. These will cover the gap between your personal use of the vehicle and the coverage Uber and Lyft provide for their drivers. This way, you will be covered at all times.

If you drive for Uber or Lyft even occasionally, you should have ride sharing coverage on your policy.

What Is Sound System And Accessory Coverage?

If you spend a bunch of money on tricking out your car, you may want this coverage. It will let you insure all the audio or special equipment you added to your vehicle.

If you would cry over having to replace your sound system, you’ll want this coverage. If you are one of those people who look like they belong on Pimp My Ride, you probably have spent extra money on your sound system and other accessories.

Do I Need Car Insurance With A Driver’s Permit?

In most states, no. The insurance company of the driver will cover a driver with a learners permit. This is one reason why some parents do not let their high school kid get their license.

Unfortunately, young drivers usually have much higher insurance rates than more experienced drivers. For this reason, it may be a good idea to have your child get their permit as young as they can but wait to get a license. This way, they can build up a bit of a driving history before having to pay for insurance.

How Do I Get Car Insurance Without A License?

Again, if you have a permit, you shouldn’t need your own car insurance policy. Some people need car insurance without having a license. Usually, they need an SR-22 or FR-44 Policy. However, that usually is only for people with suspended licenses (see below).

However, you can actually buy a car without license. If that is the case, you probably won’t need insurance until you get a license.

Just as a reminder, there are policies that are SR-22 and FR-44 only policies. They are usually rare but they don’t cover damage to your car. You also usually can’t legally drive with them unless added to a normal car insurance policy. Always make sure you have the right policy for your needs.

Can I Get Car Insurance With A Suspended License?

Yes! You can get SR-22 insurance with a suspended license. Usually, this is actually required by your state to get your license reinstated. Most car insurance carrier will do SR-22 policies. They usually end up being rather cheap since you won’t be driving or insuring a vehicle.

Some people with alcohol or drug-related DUIs may need an FR-44 certificate. Basically, this is when a car insurance company sends a form to the DMV every month so there is a record of you having car insurance. If at all possible, I would recommend doing a paid-in-full option. That way, there won’t be any reason to worry if a premium payment is delayed or bounces.

How Can I Get Cheap Car Insurance For A Teenager?

Car insurance for teenagers can be tricky! Since they don’t have much or any of a driving history, it is likely that they will have higher rates. Of course, this can vary based on geography and on the driver.

Generally, young male drivers have higher rates than young female drivers. This trend continues on through the mid-twenties or so. Unfortunately, there really isn’t a way around it.

After a few years of clean driving, their rates will go down. One tip is to have them attend drivers education. Usually, this will lower their rates in states where it isn’t required.

Several insurance companies will also give them a discount for having good grades. This can also help lower the cost.

However, whatever you do, don’t make your teenager get their own policy! Some parents think they are teaching their children to be responsible by making them pay for their own insurance. While there is nothing wrong with having them work, there is a better method.

Put your teenager on your policy as an additional driver. As he or she may end up driving your vehicle, this should work out. If they need to pay for insurance, have them pay the difference in your rate after adding them. This way, it will be cheaper overall and it won’t destroy your budget.

When I worked as an insurance agent, I saw too many parents make that mistake. They thought their 16 year-old kid needed to be the named insured on a policy. This makes everything more complicated and expensive.

Step One: Shop For Quotes

You’ll want to get as many quotes as you quickly can. I would start with two comparison sites and then go from there. Unfortunately, car insurance quotes are a qualification process. They usually take time. Using a comparison website can speed up the process.

After you have found the cheapest 2-3 rates, go to those companies’ websites and get quotes there. See if they are the same as from the comparison site. Then choose the cheapest.

Step Two: Select The Coverage You Need

This actually goes along with Step One. If you don’t know what you need, read the information above about full coverage and liability. Those paragraphs will give you a pretty good ideal of what you’ll need.

You don’t want to overpay but being underinsured could cost you heavily. Make sure you have a basic understanding of each common coverage option.

Step Three: Pay Your Premium

Most insurance policies last for either 6 or 12 months. However, most default to a monthly payment. Sometimes there is a discount for paying the policy in full. Sometimes it doesn’t matter. If you can save a couple dollars and you’re in a position for it, pay it in full. If there is no discount, just do the monthly payment.

After you have figured out the cheapest carrier for the coverage you need, picked a payment option, go ahead and pay that first premium. After you do that, they will bond your policy making it effective. If you got in an accident even two minutes after that, you would be covered.

Step Four: Print Out Your Insurance Card

You’ll want proof of insurance in your vehicles as soon as possible. You don’t want to be pulled over without your card. You don’t want to have an accident without insurance information. So make sure you have the cards handy. Usually the best spot is in the glovebox next to your car registration.


Naturally, car insurance is a necessary evil. No one likes paying for it but they love piece-of-mind and being taken care of when they’re in an accident. When you’re in an accident, it is great to know that you will be okay.

Please take the time to learn about each coverage. This will help you get what you need without paying for things you’ll never use. For example, most people won’t need sound system and accessory protection in the vehicle. However, if you have Forgiato rims and a couple subwoofers, you probably will want that to be protected.

If you want to learn more about car insurance, be sure to look around at a few more posts. If you can’t find an answer you’re looking for, please comment it down below!

How To Shop For Car Insurance In 2021

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

How To Shop For Car Insurance In 2021
How To Shop For Car Insurance In 2021

Are you trying to figure out how to get cheap car insurance? Shopping for insurance rates can be hard. But this guide will help you shop for the best car insurance rates In 2021!

The best way to shop for car insurance in 2021 is to shop online. Use a comparison site and then go to the company’s website to verify the rates.

Car Insurance Is Confusing!

Shopping for car insurance can even confuse the best of us. So it doesn’t matter how long you’ve been driving.

Car insurance companies use terms you don’t always know or remember. Shopping for car insurance seems complicated. And the biggest part of it is knowing what coverages you actually need. That way, you won’t be paying for anything extra.

This will also make sure you get the coverage you need. I’m sad every time I see someone get into hit-and-run without uninsured motorist coverage.

If they had it, they would be able to get their car fixed or a new one.

Unfortunately, most people seem to go for the state minimum. While that can be all you need, it likely is not. And usually, for literally a couple more dollars a month, you can get better coverage.

Shopping For Car Insurance Is All About Comparing Rates

After that last paragraph you may be thinking “hey, wait. I want to save money, not spend more of it!”.

Here is the greatest secret with car insurance: better insurance can still save you money. This is true in a couple of ways.

Having less insurance usually will cost you more. If your car is totaled without full coverage, you now have to buy a new car.

Even if it cost $100 a month extra for full coverage, if your car is worth $12,000 it would pay for itself in less than 10 years.

When you compare rates, you can afford better insurance. I found that I was able to get better coverage for about 1/3 of what I was paying when I changed carriers. This seems crazy but it’s true.

Shopping for car insurance is all about getting lots of quotes. This will let you see where offers the best rates for the best coverage.

What Car Insurance Coverages Do I Really Need?

The world of car insurance is crazy. There are so many different options. Even different states and companies may call similar coverage different things.

If you’re not sure what coverage you need, check out my guide!

It will help you know if you need full coverage or liability, plus a whole lot more!


Now you know some of the secrets to shopping for car insurance. This tips can help you save a TON.

One of my favorite companies to shop is actually Root Insurance. You may want to check them out!

Please leave us a comment if you learned anything in this article!

Are Car Insurance Quotes Accurate?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are Car Insurance Quotes Accurate? Can I Trust The Quote My Insurance Agent Gave Me? Will My Car Insurance Rate Change Over Time?

Are Car Insurance Quotes Accurate?
Are Car Insurance Quotes Accurate?

Should I Trust A Car Insurance Quote?

This is a great question! It really depends on how you got your quote. If it is accurate, which we will get to next, you can trust it. However, you not trust it is the best quote for you.

With car insurance, the rates can vary dramatically. The company is usually the biggest difference in rates. However, you should also make sure you get the right coverages.

If you have coverages you don’t need, you will end up paying far more each month. What coverages do you need? I put together a guide right here that will help you know what to get.

Are Car Insurance Quotes Accurate?

The best indication of how accurate the quote is based on how many information you gave them. The more information you give them, the more you can trust the rate.

Some companies give you a quote without much personal information. These usually aren’t worth very much.

Without your credit and driving history, it is impossible to have an accurate rate.

If they didn’t ask for your permission to check those records, it isn’t an accurate quote. Be prepared for it to possibly go up substantially.

Will My Car Insurance Rate Change?

Car insurance quotes can sometimes change before you buy them. That can happen for all sorts of reasons. Remember, after all, that a quote is a estimated price.

If they didn’t run your driving history, it may go up later. Some carriers may not run your driving history until after you signed up with them.

So if there is an old accident or parking ticket on your driving record, your rate may go up.

Or if you are in an accident, even not-at-fault, your rate will go up. If you make a claim on your insurance, the rate will go up.

I recently renewed my policy and found that it increased a bit due to a couple of tows. If I had known for sure, I would have used AAA or paid myself.

If you move, your rate could also change. Some zip codes are more prone to accidents. Those zip codes usually have higher rates.

When house or apartment hunting, it might not be bad to get a quote in that area first. That way, you won’t be surprised later.


Are Car Insurance Quotes Accurate? Not always but now you will have a better idea when to trust them!

I usually recommend Root Car Insurance!

3 Reasons Dairyland Might Be The Next Big Insurance Company

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Dairyland Car Insurance
Dairyland Car Insurance

What Is Dairyland Auto Insurance? What Is Dairyland’s 800 Number for Customer Service or Claims? Is Dairyland A Good or Legit Insurance Company?

800 Number For Dairyland

Looking for the phone number for Dairyland? For policy questions, claims, or making a payment, Call 800-334-0090.

Number 1: Dairyland Has Great Rates

In my time as a car insurance agent, I found Dairyland had some of the best rates. I usually would compare their quotes with Progressive, The General and SafeCo. And they often had much better rates for my customers.

Because they don’t spend as much on ads, they can keep their rates low. As one of my coworkers would often say “Getting Dairyland today is like getting Progressive 10 years ago before they raised rates”.

While I think that might be difficult to compare, they offer the same coverages as Progressive. I found their rates were often even better.

Number 2: Dairyland Has Good Customer Service

One of the most important part of car insurance is customer service. Since the coverage you get is the same across carriers, customer service makes a difference. And I never had a customer complain about Dairyland Insurance Company’s support.

The one time I had to make a phone to them, it was great! I was able to get the problem resolved quickly. And there was not a long wait at all. I got to speak to a person almost immediately. They took care of the issue for my client perfectly.

Based on that experience alone, I think they are a great company.

This is important, especially if you have roadside assistance with them. They will make sure they take care of you.

Number 3: Dairyland Is A Good Insurance Company

They started out with motorcycles and then moved on to Auto and Renters insurance polices. They keep their prices low to compete with other auto insurance quotes. You may have never heard of them. But that’s okay! They don’t spend as much on fancy commercials.

They’re a bit smaller than some of the other companies. That’s actually a good thing! They know they have to have competitive prices.


If you want solid coverage with a good company, I would recommend Dairyland Insurance Company. They will take great care of you!

If for some reason they don’t sound good to you, try Root Insurance.

Feel free to drop us a comment if you’ve had them before!

Car Insurance: A Complete Guide In 2021

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Car Insurance Complete Guide

Car insurance may seem like a different world to drivers. Usually, you spend more time buying a car and learning how to drive than learning about car insurance. Why spend time learning about car insurance? It can help you understand what you’re paying for every month.

What is Car Insurance?

Although rather complicated, car insurance protects a driver from some financial responsibility if they are in a car accident. Car insurance covers damage to your vehicle, medical bills, lost wages, damage to another vehicle and even some legal fees. The road ahead is unknown but car insurance protects you.

Naturally, no one ever expects to be in a car crash. Insurance is there to help cover the costs when a accident does occur. It keeps you and your family safe.

If you cause damage to another driver’s vehicle, it can cover most or all of the costs. It can give you peace-of-mind to know that nearly all drivers are insured.

It is a contract between the insurance company and you. The contract usually means that they will cover certain costs in you are in an accident.

Why Do I Need Car Insurance?

Car insurance can protect you from some devastating surprises on the road. Being insured can help cover medical bills, repair bills, even legal costs in a car accident. Only driving with active car insurance can save you from some huge headaches.

In most states, car insurance is mandatory for all drivers. Some states do make exceptions but those are usually for corporate fleets and wealthy individuals. States usually require someone without insurance to have enough money to pay for all the expenses, should an accident occur.

Depending on the state, driving without insurance may actually lead to jail time. In other states, it comes with a ticket for the first few offenses. Because car insurance keeps other drivers safe, it is dangerous to drive without it.

If you’re caught driving without insurance, you may be arrested, ticketed and may lose your license to drive. Even if you only receive a ticket, that will change your driving history. This will make your insurance rates go up when you next get insured.

For all the reasons and more, please do not drive without car insurance.

How Does Car Insurance Protect Me?

Depending on your coverage, it can protect you from vehicle thief, accident, acts of God (such as natural disasters), uninsured drivers damaging your vehicle, underinsured drivers damaging your vehicle, personal injury, medical costs, legal fees, lost wages and lost of vehicle.

Having a company cover some or all of these costs can make a huge difference. They can take a lot of the headache out from being involved in an accident. They can stand beside you during the whole process.

Can you imagine what would happen if you accidentally totaled a new BMW or Mercedes? Without insurance, you would be on the hook to replace their vehicle.

What Types Of Car Insurance Are There?

  • Liability Coverage
  • Collision Insurance
  • Comprehensive Insurance
  • Uninsured Motorist Insurance
  • Underinsured Motorist Insurance
  • Medical Payment Coverage
  • Personal Injury Protection Insurance
  • Gap Insurance
  • Towing And Labor Insurance
  • Rental Reimbursement Insurance
  • Classic Car Insurance
  • New Car Replacement Coverage
  • Ride-sharing Coverage
  • Sound System Coverage

Do I Get All Those Coverages?

In most cases, the answer is no. It varies from company to company but most states only require liability coverage. Some also require medical payment coverage or personal injury protection. In other to know for sure, you’ll need to check your policy.

Most insurers often all or most of these coverages. You can often add them to your policy. Personally, I try to make sure I have a good level of personal injury protection, underinsured and uninsured motorist limits in my policy. That way, I know I will be taken care of in those situations.

What If I Just Want Cheap Car Insurance?

In most cases, you’re looking for the state minimum. This varies from state to state. You’ll want to double check to make sure your have the right coverages. However, this may not end up being the best for you. No one knows the future, but you never know when you will need a certain coverage.

Recently, I spoke with someone who was hit by a driver who just drove away. This man made his living by delivering food. Because he did not have uninsured motorist coverage, he lost his vehicle and means of making a living.

Usually, if you have a car payment, you’ll need to have full coverage car insurance. This is something almost all the financial companies require. This is in case you are at fault in an accident. I would also recommend Gap coverage.

Full Coverage Car Insurance

Full coverage usually means your policy includes liability coverage, collision coverage and comprehensive coverage. It will also include anything else mandated by law, such as medical payments or personal injury protection.

Liability coverage covers damages you may do to another vehicle. Collision coverages cover your vehicle if the other party is not found at fault. It will cover repairs or replacement up to the value of your vehicle. If own more than your vehicle is worth, gap coverage covers the difference. Gap is not usually a part of full coverage.

Comprehensive coverage is for damage to your vehicle outside of an accident. If there is hail damage to your vehicle, that is a comprehensive claim. If a deer rams into your vehicle, comprehensive coverage can pay for your repairs.

Do I Need Towing?

A single tow can run over $100. Having a car lockout can cost close to that. Most insurance companies now include towing coverage in their policies. This can be helpful when you desperately need a tow. However, they can classify this as a claim on your insurance. This can lead to higher rates later down the line.

If you have AAA or another roadside assistance program, I would highly recommend using that instead. It can actually end up being cheaper, depending on how many tows you need. These types of memberships are usually rather inexpensive and come with several benefits.

Where Should I Get Car Insurance Quotes?

There are so many places to get insurance quotes. There are local agents, national phone lines, corporate websites and even comparison shopping sites. Where should I start?

I recommend that everyone start with a comparison shopping site. This can let you get quotes from several companies at once. However, I recommend always checking the corporate websites of at least two of the lowest quotes. So that you will know that you’re getting the best rate possible.

Sometimes, how you shop for rates can change the rate you get. Since the corporate website is usually the cheapest way for them to get business, companies usually keep their cheapest rates there.

Of course, you can call your local agent. However, I would recommend getting at least 10 quotes before picking one. That way, you know you’re getting one of the cheapest rates in town.

How Can I Save Money?

Everyone wants to save money! No one really likes paying for car insurance, despite how the coverages may help you later. You will want to start comparing quotes to find the best one.

Of course, it’s best to know what coverages you need. This will save you from paying for coverages you don’t need. That is the best place to start.

Once you know what coverages you need, then it is time to compare quotes. As I’ve said, make sure you get several quotes before making a decision. Maybe try with a comparison insurance site. Afterwards, always double check with those carriers websites.

Although this will take some time, it can help you save hundreds over the course of a year. A lot of the time, people will keep the same company for years. This investment of a few hours of time may save you lots of money over time.


Now you know what car insurance is, why you need it, how it protects you, the types of coverages available, some of the coverages you may need, how to get cheap insurance by saving money on it. If you have more questions, feel free to look around this site. I have several articles about choosing car insurance policies and saving money.

Personally, I have found that Root Insurance saved me the most money so far. Of course, I will always keep looking for better rates. But, for now, Root has been a great company for me.

If you are looking for a good rate, I would recommend trying Root. In fact, if you click here and use my link, you will actually get a $50 bonus just for getting a quote through them!

All you have to do is download the app, fill out a few questions and then let it track your driving. In my experience, it usually take about 7-10 days to get the quote back.

Car Insurance Quote

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What is a car insurance quote? Do I need a car insurance quote? How can car insurance quotes differ from insurance rates? Where should I look for the best car insurance quote?

What Is A Car Insurance Quote?

A car insurance quote is an estimated cost of a policy. Because insurance is a qualification process, you need a quote to compare prices. Car insurance quotes give you a good idea of what you will end up paying.

Of course, this rate is subject to change. If you get a good car insurance quote today, it may be higher tomorrow.

Where To Get Auto Insurance Quotes

If you get a quote without letting them run your driving history, be prepared for the rate to go up. If you get a quote before they’ve run your credit report, be prepared for it to go up. A quote is the most important part of getting insured.

Do I Need A Car Insurance Quote?

Yes! If you are looking to drive a car, you will need to get an insurance quote. Also, if you think you may be paying too much for car insurance, you’ll need a quote.

A car insurance quote is the first step in the process of getting car insurance. So if you are already insured or satisfied with your rate, you may not need a car insurance quote.

How Can Car Insurance Quotes Differ From Insurance Rates?

Generally, an insurance quote is an estimate of the final cost. If your driving history or credit are better than expected, the rate may be lower. If you didn’t disclose a car accident or a ticket, it might go up after the estimate.

Also, you may get a discount if you pay several months of your policy at once. This is usually called a paid-in-full policy.

Where Should I Get Auto Insurance Quotes

Where Should I Look For The Best Car Insurance Quote?

There are basically four places where you can get a car insurance quote: comparison websites, corporate websites, an independent car insurance agent and a captive car insurance agent.

A comparison site’s main advantage is the possibility to help you save time. You can get 10-20 quotes from different companies at the same time. However, they may be more expensive than buying directing through the company websites.

Corporate websites are often the cheapest way for an insurance company to get new business. Because of this, you can often save money by getting a quote through their websites. However, it can become time-consuming to comparison shop this way.

Independent car insurance agents, or non-captive agents, represent multiple car insurance companies. The main advantage is that they do most of the work for you. However, they do not have a fiduciary duty to you and aren’t required to disclose the best rates they find. They can choose to only tell you about the quotes that pay them the most.

Captive insurance agents represent only one insurance company. They are people like your local Allstate or Geico agent. Unfortunately, working through them can have several drawbacks. They may take longer or be more expensive than going through a corporate website. They also don’t have any fiduciary duty to you.

Instead, I recommend trying a comparison site and then double checking the best rates on the corporate sites. This can save you time and make sure you’re getting the best rate possible.


So you now know why you need a car insurance quote and where to look for one. If you want to learn what I use, check my review here.

Click here if you want to try Root Insurance today!

Where To Get Auto Insurance Quotes

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are you looking for the best ways to get auto insurance quotes? Learn all the secrets of how to get the cheapest car insurance possible!

Where Can I Get Auto Insurance Quotes?

As anyone who watches cable TV can attest, there are lots of car insurance companies. However, some of the best companies don’t have cleaver giggles. Sometimes they market differently to save their customers money. Of course, you can start at the big named companies. But I would highly recommend trying other companies too. After all, they offer the same coverages and often have better rates.

A recent newcomer is the comparison shopping site. These sites offer a way to compare rates from several companies at once. Because insurance is an approval process, this can save you time. However, these sites may not disclose certain rates if it makes them less money. Legally, they are under no obligation to do so. Although these sites are a good place to start, I always recommend following up with the cheapest company’s website to make sure you get the same quote.

Where To Get Auto Insurance Quotes

Good places to start include Insurify, NerdWallet, Gabi, and The Zebra.

Where Should I Get Auto Insurance Quotes?

Again, it’s good to start with a comparison auto insurance website. This will give you a good idea of which companies are in your area. It also may show you where to look. Of course, always double check the rates. From this point, it may be a good idea to see what types of discounts you can get. For example, lots of companies now will track your driving habits in exchange for a discount. Factoring in a bit of that discount may change the game.

With car insurance quotes, more is better. Aim for at least 10 different quotes if you want to save money. That way, you’ll know for sure about what you should be paying.

Of course, this is a time consuming process. However, it can be a rewarding use of your time. Saving a bit every month really adds up over time.

Where Should I Get Auto Insurance Quotes

Where Would You Get Auto Insurance Quotes?

Personally, I love Root. Click here to read my review of Root Insurance. Getting a quote with them really does take several days. They track your driving and base your rates off of that. So if you can’t wait, get a rate with another company first. Make sure you’re always insured before you drive. After you get a quote from Root, you can always change right there and then. They’ll even cancel your old policy for you.

Where Would I Get Auto Insurance Quotes
Where Would I Get Auto Insurance Quotes?


Hopefully, this article helps you. You now know where to get auto insurance quotes. Of course, I would start with a comparison site and slowly narrow down your list. This should help you find the best rates in your area! After that, try Root or something similar to make sure your getting rewarded for good driving.

If you got any value out of this at all, please consider sharing the article with a friend. It really helps out the blog to have new readers and should help them save a few dollars too.

If you have any questions, feel free to drop a comment below or visit the Contact Us page.

Happy Driving!

Read More…

Is Root A Good Car Insurance?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Is Root Insurance a good car insurance to have? Will I be protected if I choose them? You can learn how you can save 62% on your car insurance and still be covered.

Root Insurance App Quote

What Makes A Car Insurance Company Good?

Usually, a good car insurance company differs from the bar by their customer service, rates, and coverages. The rate a car insurance company gives you is usually the deciding factor in selecting a carrier. Of course, all car insurance companies must offer nearly identical coverage options. Because of this, comparing coverages is unnecessary. However, rates from different car insurance companies differ greatly.

Customer service varies greatly between insurance companies. Some outsource their customer support to third world countries. Of course, there is nothing wrong with this. However, I have found that it sometimes creates a language and cultural barrier. Luckily, I have only had US-based customer support with Root Insurance. And they have always been helpful to me.

Root’s rates are some of the lowest I have ever seen. Personally, I haven’t seen other companies’ rates even get close to Root’s. As far as rates go, Root is probably the way to go. Of course, I would always recommend shopping rates. Because car insurance rates can vary wildly, please get at least 5-10 car insurance quotes.

Coverages must be the same across carriers. Having full coverage with Geico is the same full coverage as Root. The only exception is that certain carriers have different extras you may add. For example, some offer roadside or gap coverages for an addition fee. One thing that is great about Root is they include free roadside!

What Is Root Insurance?

Root is a startup technology-based insurance carrier. They are different in that they track how you drive before they give you a rate. Because of that, they can offer lower rates to safe drivers. Then they pass the savings on to you. Although they are a fairly new company, they are stable. All insurance companies must have cash reserves to pay for the coverages they provide.

Do I Have To Worry About Root Insurance?

Because of US government regulation, all legal insurance companies are safe. They have huge requirements to make sure they can cover your policy. Insurance also follows the law of large numbers. They have mathematicians running their numbers. They ensure the company has enough money to pay out for right number of policy holders every month. Insurance companies also spend money on reinsurance. This lets them share risk with another insurance company.


Is Root A Good Car Insurance? Yes! Based on my experience, they are great. In fact, I’ve been recommending them to my friends and family for years.

Are you looking for how to get in touch with Root Insurance? Try this post!

Root Insurance 800 Number

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What is Root Insurance 800 number? So how do you get in touch with Root customer service? Find the phone number for Root Insurance here!

Root Insurance App Quote

Which Root Insurance Department?

Like most insurance companies, Root Insurance has multiple departments. Before you dial, you’ll want to make sure you’re calling the right place. Of course, they probably can route your call but that takes time.

For customer service, call 866-980-9431 or email [email protected]. So you know, their hours are 9am-8pm Eastern, Monday through Friday. And they try to answer emails within 48 hours.

For Root Roadside Assistance, call 844-271-4357 or email [email protected].

If you’re filing a car insurance or renters insurance claim, the app is usually best. However, you can file them online or over the phone. If you are filing a new claim, use their customer service line: 866-980-9431. And if you are following up on an existing claim, call 866-489-1985.

Filing a home insurance claim is usually best in the app. But if you need to call them, call 844-208-0665.

Are You Looking For Root Insurance’s Address?

They list their claims address as 80 E Rich Street, Suite 500, Columbus, OH 43215.

If you’re in an accident, this might be helpful for your lawyer as they often have to send in paperwork to the insurance carrier. Naturally, I would recommend using the address only if you have to use it. Usually, you can get the information to them electronically.

Should I File A Claim?

What to know if you should file a claim with Root Insurance? If you were in an accident, file a claim. Get them all the information you they need. This way, they’ll be able to take care of you.

If it is a small accident, sometimes the drivers will work things out without involving the insurance companies. If that’s the case, you may not need to file a claim. However, that can be risky. So make sure you always get the same information you share with them.


And now you know the 800 number for Root Insurance, their address and a bit of if you should file a claim with them.

But if you haven’t already, get a quote from Root Insurance.

And if you’re looking for information on getting car insurance quotes, read this article.

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Car Insurance Quotes Michigan

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Car Insurance Quotes Michigan
Map Courtesy of Bureau Of Labor Statistics

Trying to find car insurance quotes in Michigan? This article will help you find auto insurance in Michigan.

Do You Need Car Insurance In Michigan?

Yes! All drivers in Michigan need car insurance. You can’t legally drive without car insurance in Michigan. So you’ll want to have insurance before you get behind the wheel. In fact, you probably wouldn’t even want to drive without insurance.

What Type Of Car Insurance Do I Need?

In Michigan, drivers need liability coverage. The state minimum requirement is $20,000 for bodily injury or death to one person, $40,000 for more than one person and $10,000 for property damage per accident.

As of earlier last year, the law no longer requires unlimited personal injury protection. But you’ll still have to have some amount of it. Of course, you actually need more coverage, depending on your situation.

Which Car Insurance Companies Are In Michigan?

According to The Zebra, here are the top 10 Insurance Companies in Michigan by cheapest average premium.

  • Safeco
  • MetLife
  • USAA
  • Chubb
  • Pioneer State Mutual
  • Progressive
  • State Farm
  • Farmers
  • Hanover

Why Is Car Insurance So Expensive In Michigan?

There are several reasons why your car insurance may be so expensive. Those reasons are true regardless of the state. However, the unlimited personal injury protection requirements of the past raised rates.

It was one of the highest PIP requirements in the nation, if not the highest. Average rates will likely go down. Although this is no longer required, you may still want a high amount of coverage.


Now you know the state minimum auto insurance requirements in Michigan. You know where to find car insurance quotes in Michigan and even have a list of some places to look for quotes. Try and get at least 10 quotes before you pick a carrier.

Let us know in the comments where you found the cheapest rates!