Cheap Auto Insurance
Cheap Auto Insurance
Save Up To $541!
The average customer that compares rates saves $541 on their auto insurance premium.
It only takes an average of 4 1/2 minutes to get a quote. You can do it on your lunch break!
You fill out a quote, companies compete for your business. It’s that easy!
Frequently Asked Questions
You will be taken to our auto insurance quote form where you’ll be asked to enter you zip code.
From there you will need to fill out the form, starting with year/make/model of your vehicle and continuing on with personal information related to where you live and your driving record.
You should be able to fill this out in a minute, maybe 2. It’s fairly quick.
After you’re done with the form you will be shown a list of companies such as GEICO, Progressive, Esurance, .etc and you can then choose to click on each and fill out a form there for even more rates!
The goal is to get as many quotes as possible and each quote only takes a few minutes. Only online will you find getting quotes this easy!
As always there’s absolutely no obligation to buy. Quotes are 100% free and are presented for comparison purposes to help you make an informed decision.
That being said, the average auto insurance policy nationwide is $1,566/yr and those who compare rates online typically save $541 or more.
Keep in mind, though. Cheapest isn’t always the best. You want to find the right coverage for your needs at the best possible price and that’s exactly what AutoInsurance.li was created for – to present you with the best options.
Since your premium is likely going to be higher than average, comparing prices is going to be your best option to save.
The best way to find the lowest rates for seniors is to compare plans online, and there’s no better place to do that than right here.
Typically non-standard carriers such as Progressive, GEICO, SafeAuto, Esurance & The General tend to offer the most inexpensive rates as a nationwide average but don’t let that fool you. There are 100’s of auto insurance companies that have fantastic rates (and great coverage) that can beat their price – you just have to find them.
That’s why AutoInsurance.li was created, to help people like you find the best possible rate by comparing as many insurance companies as possible, all in the effort to provide you with the right coverage at the cheapest possible price.
- Good Student
- Safe Driver
- Defensive Driving Courses
- Safety Devices
- ..and more!
The long answer to this question is “…it depends”, because it truly does. You can find discounts up to 50% for students that are away at college, and good drivers are always rewarded, so if you fit that bill – you’ll definitely find lower rates.
However, don’t worry if you don’t. Our insurance comparison tool was designed to match you with the best insurance companies in your area and we’re positive you’ll find savings over your current insurance policy whether or not you qualify for most discounts.
In simple terms it’s come to mean that your first accident will be forgiven, and your rates won’t rise because of it.
There are of course exceptions and stipulations, but for the most part if your policy includes this language you won’t see a premium increase in the event of an accident.
When you get a quote whether online, in-person or over the phone the quote will automatically default to the minimum amount of coverage based on your state, from there you can choose to add or increase coverages and limits.
To help you out, we’ve included a list detailing every state and their minimum required coverage.
Keep in mind that this can vary dramatically from state-to-state and that the “minimum” typically means Bodily Injury and Property Damage but many states are including UM/UIM (UnderInsured and UnInsured) coverage in addition to PIP (Personal Injury Protection) and often this basic coverage is not enough to protect you, or your assets in the event of a major accident.
- Alabama – 25/50/25
- Alaska – 50/100/25
- Arizona – 15/30/10
- Arkansas – 25/50/25
- California – 15/30/5
- Colorado – 25/50/15
- Connecticut – 20/40/10
- Delaware – 15/30/10
- Florida – 10/20/10
- Georgia – 25/50/25
- Hawaii – 20/40/10
- Idaho – 20/50/15
- Illinois – 20/40/15
- Indiana – 25/50/10
- Iowa – 20/40/15 (optional)
- Kansas -25/50/10
- Kentucky – 25/50/10
- Louisiana – 15/30/25
- Maine – 50/100/25
- Maryland – 30/60/15
- Massachusetts – 20/40/5
- Michigan – 20/40/10
- Minnesota – 30/60/10
- Mississippi – 25/50/25
- Missouri – 25/50/10
- Montana – 25/50/10
- Nebraska – 25/50/25
- New Hampshire – 25/50/25
- New Jersey – 15/30/5
- New Mexico – 25/50/10
- Nevada – 15/30/10
- New York – 25/50/10
- North Carolina – 30/60/25
- North Dakota – 25/50/25
- Ohio – 12.5/25/7.5
- Oklahoma – 25/50/25
- Oregon – 25/50/20
- Pennsylvania – 15/30/5
- Rhode Island – 25/50/25
- South Carolina – 25/50/25
- South Dakota – 25/50/25
- Tennessee – 25/50/15
- Texas– 30/60/25
- Utah – 25/65/15
- Vermont – 25/50/10
- Virginia – 25/50/20
- Washington – 25/50/10
- Washington DC – 25/50/10
- Wisconsin – 50/100/55
- West Virginia – 20/40/10
- Wyoming – 25/100/15
How To Get An Auto Insurance Quote Online
There are several ways to get low cost auto insurance, whether over the phone, in-person with an agent or online using websites like AutoInsurance.li. No matter who you’re talking to in the Insurance industry one thing is clear; in order to get the best possible price you have to shop around!
What does that mean to “shop around“? Let’s use car buying as an analogy. There are a number of ways to find the perfect car at a great price but rarely is it on your first attempt. You may walk into a dealership and see the car of your dreams yet have no clue if you’re getting a deal or not. However, if you were to go to multiple dealers and continue getting “quotes” on vehicles you would start to see where a baseline is for a good deal and could start to make an informed decision.
Now, if you’re a super savvy shopper you’d be taking this search online and looking for the best discounts. You may head to TrueCar or AutoTrader, or another comparison website and look far and wide searching for the best price. The point is, you’re casting a “wide net” and that’s what websites like this do – we help you cast a wide net in your search for the best coverage at the lowest price.
The Auto Insurance Quote Process
Let’s take a look at how the auto insurance quote process really works, and why using AutoInsurance.li can help save you time and money over traditional methods of quoting, such as calling an agent or stopping by an office.
Right off the bat, when you use our site you get immediate access to 100’s of insurers in your area. You can’t get this kind of access when you visit an insurance agent, or when you call a company directly. So, immediately you’re at an advantage. There’s nothing wrong with calling Progressive, GEICO or StateFarm directly and getting a quote – not at all, it’s just advantageous to have the majority of these big name companies in one location like they are here.
Here are the steps you need to take in order to get an auto insurance quote online using our fast & free service.
- You need to enter your zip code into the form (you can find the form at the top of every page on this site)
- From here you’re either going to be presented with a list of matching insurance companies, or a form.
If presented with matching companies…
This is an easy scenario. Let’s say you entered your zip code and on the next page you have a list of companies such as Progressive, Esurance, Allstate & The General (all very good choices!). This is where the comparison starts and the time-savings begin!
- Click on the first company & fill out their short form. You will then be presented with a “binding” quote and will have the option of buying immediately, or saving the quote to retrieve at a later time. We recommend saving the quote because you have more companies you need to visit!
- Go back to the list of insurance companies and click on the next company and repeat the process.
- When you’ve finally completed filling out quotes at all of the companies you will have been presented with 3 to 4 binding quotes and can either make the choice to purchase or walk away. There’s absolutely NO obligation to buy, this is simply a free service that was designed to help you the consumer understand your options and make an informed decision.
If presented with a form…
This is easy, you simply fill out the form!
The average customer saves over $351/yr on car insurance just switching companies, however when you compare multiple companies the savings can be as high $1,000+! Much like the analogy we used with car buying above, it really pays to shop around. The best rate may be on the 1st quote you get, or the 5th, you won’t know until you’ve exhausted your options!
Drivers That Qualify For Lower Rates
Saving money is more than just getting quotes, it’s about you as a driver. While there are hundreds of factors that go into the actuarial science that is “risk modeling”, the reality is “good drivers pay less for car insurance”. This means accident free, no tickets, college-educated, married homeowners over the age of 35 tend to find the lowest rates.
It doesn’t mean you can’t find super cheap prices if you don’t fit this profile to a T, because you certainly can. It’s more about an “average” and as an average responsible drivers are less risky to insure therefore they enjoy lower prices. There are so many factors outside of a driving record that goes into pricing, though. The same responsible person that fits the mold completely may be driving a $118,000 Porsche in a major city like Los Angeles and suddenly the insurer starts looking at this driver like he may be a serious liability for theft or accidents. While the less “ideal” customer, say someone with a few speeding tickets may seem riskier on the outside, this driver might live in a rural area and drive a 2001 Honda Accord!
See? This is why there is no one-size-fits-all answer to car insurance. Rates can vary wildly and to better illustrate that concept take a look at the image below. You’ll notice that even if you’re the “perfect” driver and ideal candidate for cheap rates, every insurance company treats people (aka “RISK) differently and quotes prices accordingly!
Pretty crazy, huh? Prices can swing hundreds of dollars just between insurance companies with no other outside factors like driving record, credit score, vehicle type or location! If we weren’t able to convince you that shopping around for car insurance is the smartest idea, hopefully this chart will!
What Information Is Needed For An Auto Insurance Quote
Hopefully you’re convinced by now that you need to get as many quotes as possible in order to find the best coverage at the best price. If that’s the case, then we’ve come up with a little list of the items/information you’ll need on-hand in order to the get these quotes. Most of these are just simple answers that you have in your memory, like your DOB, address, marital status, .etc, but you will need your VIN (usually located inside the door jamb, or on the drivers side dash by the windshield, however if you’ve already insured that car the VIN will be easy to find on your last insurance statement)
This is a more complete list of the info needed.
- The address where vehicle(s) will be parked (important!)
- Your date of birth (Easy!)
- Your gender (Male or Female?)
- Your Social Security Number (SSN)
- Your current insurance information (if applies)
- Your marital status (Single? Married?)
- Make/Model/Year of The Vehicle(s) (They will verify with the VIN)
- Lien-holder Info (If it’s financed they want to know)
- Your driver license number
- Your driving history (This will be verified through a Motor Vehicle Report (MVR))
Easy, right? If you’ve got this info get started right away. You could quite literally save $1,000+ per year just by taking a few minutes out of your day to compare rates online. So, don’t delay, seriously, get started right now and when you’re done, drop us a line and tell us how you did!