4 Ways to Find the Best Insurance Companies for Your Cars

A young woman at her desktop computer searching for the best insurance companies for her car
Photo by Andrey_Popov / Shutterstock.com

If you were to count every entry on a list of car insurance companies, you would have already wasted more time than it should take to get the best coverage for your car.

Nobody could be expected to go through them all, excluding the non-local auto insurance companies, filling out all the forms to get individual quotes and hopefully ending up with the best auto insurance available to you. And only to do it all over again in six months or a year?

Thankfully, there are services happy to do it for you — for free. And that’s a valuable service, because the best insurance companies, Consumer Reports says, usually aren’t the biggest ones.

Here’s how to find the best insurance companies for your car without breaking a sweat.

1. Gabi

Sure, you could comb through a list of ratings for the best car insurance. (Consumer Reports has one, but it’ll cost you.) Then, you could just go with the highest-rated option in your area. But there’s a problem.

That rating isn’t based on you and all the personal factors in your driving record, credit history and background that insurers use to offer rates. You don’t want a list of the top insurance companies in general — you want to know the best auto insurance companies for you.

Gabi can quickly help you figure out which those are, and translate those findings into instant savings. Money Talks News founder and CEO Stacy Johnson tried it himself: Check out his story “How I Found $546 in Car Insurance Savings in Under 10 Minutes.”

The short version: Gabi doesn’t waste your time making you fill out a lot of information. You upload a PDF of your current insurance policy, provide your name, date of birth and contact information, and you’re done.

In under two minutes, Gabi was able to compare 40 providers and identify savings of 22% for the same coverage with a different company. It could even handle making the switch for Stacy.

The best insurance companies aren’t the same for everyone, but everybody can use a tool like Gabi to figure out which company makes sense for them.

2. The Zebra

The Zebra is a similar tool you can use to compare more than 200 national and local auto insurance companies.

It doesn’t require a copy of your current policy to prepare a side-by-side comparison in minutes — just your name, parking address and vehicle information.

“Not everyone who uses The Zebra finds a lower rate, but those who do save an average of $368 per year,” the site says.

You can call to speak with an agent, and the site allows you to later retrieve past quotes if you need to do additional research into local insurance companies. It also checks for things like senior discounts and other savings you might be eligible for.

3. Policygenius

If two one-stop shops for auto insurance aren’t enough, check out Policygenius. It works much like Gabi: You share your current policy, and the service finds the best rates among dozens of insurers. They also have people to answer questions and help with the paperwork of swapping.

Policygenius also helps find other kinds of insurance, including homeowners, renters, health and even pet insurance. Its auto insurance comparison tries to look for savings by bundling homeowners and auto. You currently can’t search for just auto insurance quotes, although the site says it plans to add a stand-alone auto insurance search tool.

4. Do it yourself

If you don’t trust any third party to figure out what’s in your best interest, you can make your own comparisons the old-fashioned way. We explain a step-by-step method in “How to Get the Best Possible Deal on Car Insurance.”

It starts by creating a spreadsheet with all the pertinent details of your current policy: what coverage you have, deductibles, costs, phone numbers, due dates and savings from things like senior discounts. Don’t forget to leave space for notes. You can explain to your future self exactly what all this coverage does, in case you forget or it becomes less relevant to your vehicle.

For instance, some people who drive cars that aren’t worth much opt to drop comprehensive and collision coverage as much as possible and self-insure. As your car ages and you reassess the costs, this might be something to consider — if you remember.

Once you have your current coverage squared away, it’s easy to add a few columns for comparison quotes from insurers you’re curious about.

Overall, this is the most time-consuming method, and you could be using that time to plan your retirement investments instead. But this exercise might be worth doing at least once even if you plan to use a tool like Gabi or The Zebra, just so you can understand exactly how your coverage works and make an informed judgment about the quotes you’re getting.

After all, you’re going to get recommendations under the assumption you have the coverage types and levels you currently have. But if those are different from the state-required minimums, a computer algorithm probably isn’t going to presume to know better than you what coverage you need.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
8 Surprising Things No One Tells You About Retirement
8 Surprising Things No One Tells You About Retirement

Knowing what to expect can help you prepare for — and adjust to — life in your golden years.

10 Foods That Can Keep for Years
10 Foods That Can Keep for Years

These are some of the longest-lasting groceries you can buy.

This Is the Best Time of Day to Take Blood Pressure Meds
This Is the Best Time of Day to Take Blood Pressure Meds

The right timing can help you prevent a big — and possibly fatal — mistake.

How to Buy a Refrigerator, Step by Step
How to Buy a Refrigerator, Step by Step

Here’s how I got the perfect appliance at the perfect price.

These Medicare Expenses Will Jump in January
These Medicare Expenses Will Jump in January

Some Medicare premiums and deductibles will take a bigger bite out of Social Security payments next year.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

Whether you resell it for a big profit or add it to your own wardrobe, this type of clothing is a hidden steal.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

9 Things You’ll Never See at Costco Again
9 Things You’ll Never See at Costco Again

The warehouse store offers an enormous selection, but these products aren’t coming back.

10 Cars You Are Most Likely to Keep for 15 Years
10 Cars You Are Most Likely to Keep for 15 Years

The cars that owners hold onto the longest have one thing in common, a new study shows.

11 Laws You Could Be Breaking Without Knowing It
11 Laws You Could Be Breaking Without Knowing It

Seriously? Fibbing about the weather is a crime? This and other little-known legal traps await the unwary.

Is This Treatable Condition Causing Your High Blood Pressure?
Is This Treatable Condition Causing Your High Blood Pressure?

Researchers say too many doctors are overlooking this potential source of hypertension.

Does Wearing 2 Masks Protect You Better From COVID-19?
Does Wearing 2 Masks Protect You Better From COVID-19?

A growing number of people are wearing two masks instead of just one. Should you join them?

13 Things Seniors Can Get for Free — or Almost Free
13 Things Seniors Can Get for Free — or Almost Free

There are many ways to get cheap or free services and goods after reaching a certain age.

Taking a Multivitamin? Here’s Why You Should Reconsider
Taking a Multivitamin? Here’s Why You Should Reconsider

A new study has bad news for the millions of Americans who spend money on multivitamins.

7 Social Security Benefits You May Be Overlooking
7 Social Security Benefits You May Be Overlooking

There’s more to Social Security than retirement benefits.

21 Items to Cut From Your Budget That You Won’t Even Miss
21 Items to Cut From Your Budget That You Won’t Even Miss

Start off the new year by implementing these small-but-smart savings strategies. They’ll soon add up.

Internet Providers Can’t Charge You for This Anymore
Internet Providers Can’t Charge You for This Anymore

Starting this month, your ISP no longer can bill you for this fee.

9 Things You Should Never Leave in a Car
9 Things You Should Never Leave in a Car

Thinking of leaving these possessions in a car? Prepare for unexpected consequences.

Organize Your Home With These 10 Thrift Store Finds
Organize Your Home With These 10 Thrift Store Finds

Resolve to be clutter-free in 2021 with these secondhand purchases.

Prepare to Pay More for These 31 Drugs in 2021
Prepare to Pay More for These 31 Drugs in 2021

More than 700 prescription medications have seen price hikes so far this year. Here’s a look at the worst.

15 Painless Ways You Can Cut Costs in 2021
15 Painless Ways You Can Cut Costs in 2021

Follow these tips to save, so you’ll have money for things that really matter.

5 States Lowering Taxes This Year and 2 Raising Them
5 States Lowering Taxes This Year and 2 Raising Them

State personal income tax rates, brackets and deductions just changed in these places.

7 Tricks to Cleaning Your Bathroom Faster
7 Tricks to Cleaning Your Bathroom Faster

These tips can get your bathroom sparkling with little time and no elbow grease.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.