Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 13, 2020

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Choosing the right car insurance company can seem like a challenging task but today’s drivers have many advantages over previous generations. Car insurance companies have always fiercely competed for your business but the internet has proven to be a valuable resource to assist in finding affordable car insurance rates than ever before. With just a couple clicks drivers can compare car insurance companies, learn how car insurance works, view a list of popular questions and find local providers right down to your ZIP Code.

Why Shop Online for Car Insurance?

Why not? You probably compare almost any other good or service online and car insurance is one of the most critical purchases you or your family can ever make. The right type of insurance can protect you from financial ruin in the event of an accident while purchasing the wrong type can leave you with credit card bills which may take years to pay off.

From state minimum car insurance requirements to the difference between liability, collision and comprehensive coverage you need to learn and compare car insurance policies well ahead of selecting a provider. Understanding how auto insurance works is one of the best ways to finding the most affordable coverage for your unique profile. Car insurance comparison is not just about comparing rates but comparing policy details, deductibles, claims handling, customer service and many other elements which make each auto insurance provider unique.

How much car insurance do you need?

Many drivers believe all they need is a car insurance policy which meets minimum state requirements but the reality is these minimum requirements provide very little in terms of protection and often only include coverage for damage and/or injuries to other drivers. Understanding the potential personal liability of a car accident, how collision and comprehensive coverage work and the limitation of liability insurance will make you quickly re-examine your car insurance policy if you only have a policy which helps you avoid a ticket for driving with no insurance.

How much is car insurance per month?

This probably the most commonly asked question among drivers but it really should the last question you ask. Auto insurance policies have common elements but every driver has a unique profile. Do you only drive occasionally, have young drivers in your household, prefer a low deductible, require non-standard car insurance? There are so many answers to how much is car insurance per month it’s impossible to provide anything more than typical ranges for different groups of drivers. Your unique rates will depend on so many variables and can often be vastly different between providers of the same quality and is why car insurance comparison is so important.

What car insurance company should you choose?

Did you know that most states have over 100 licensed car insurance companies? While many drivers can only name a handful of national brands the fact is that drivers of all risk profiles often have a wide range of auto insurance providers to choose from. Car insurance comparison is key since rates, and the formula for calculating risk, changes from one provider to another and without comparing car insurance companies you are probably overpaying for coverage. Drivers who research car insurance the same as buying a new car or a new pair of shoes often get the best deals around so start your car insurance comparison search today!

Buying a new or used car?

While car insurance is certainly something you need it’s a lot sexier to compare cars. Are you thinking of upgrading to a family van, a luxury vehicle or in the mood for a mid-life crisis convertible? We have a wealth of information on 100’s of different makes and models to let you compare different safety features, how much car insurance is per month, what industry professionals are saying and more!