Best Sites to Save on Auto Insurance

You can go online to find the lowest rates.

Auto insurance
(Image credit: Getty Images)

Most of the web sites that promise to give you quotes from multiple auto-insurance companies refer you to agents rather than providing quotes directly from insurers. The budgeting site, for example, analyzes how much you are spending on auto insurance every six months and sends an alert if it looks as if you could save money. You’ll receive a general quote showing how much you might be able to save. Then you can choose to get specifics from major insurers, such as Geico, Allstate, State Farm, Farmers and Esurance.

You can access the same tools that uses at (both are powered by Bankrate Insurance). Submit information about yourself and your cars and you’ll hear from up to three insurance reps, usually including at least one independent agent who works with several insurers. Or you can get quotes at most insurers’ sites, such as, and Some insurers’ sites now access public records (using your name, address and birth date) to find the cars registered to your address, so you don’t need to type in as much information.

You can get quotes from on your computer screen within minutes from insurers such as The Hartford, Travelers, Esurance and Safeco (you’ll still have to provide your e-mail address and phone number). The site’s online quotes are available in 40 states. All insurers check your driving record, credit score and claims record before offering a final rate. Another option: Visit to find a local independent agent who can shop for you.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.