The best way to get affordable auto insurance is to first shop around for quotes, then take the time to compare them. Learn about the companies that offer quotes and decide which one offers everything you need at a price you can afford. Since there are many companies that claim to offer low-cost car insurance quotes, you’ll need to learn a little about each one before making a decision.

Don’t just look at big-name insurers, either. There are smaller local auto insurance companies that offer affordable quotes. And, because they are smaller, they can provide more personalized service to their customers.

Liability-only auto insurance will always be the cheapest option, as it is the absolute minimum coverage required in each state. However, it only covers things like property damage and medical bills from the other people involved in an accident for which you are responsible. What about your own medical bills? How do you get repairs for your own vehicle? These are comprehensive/collision insurance coverage options you’ll definitely want to consider.

Finding low-cost car insurance quotes isn’t just about finding the lowest monthly payment, and should only be considered if you have an older car that isn’t worth the money you pay to insure it. However, you’ll still want to factor in your medical costs. Another thing to think about is what would happen to your family’s finances if you were seriously injured in an accident and unable to work for an extended period of time? Some insurance quotes will include solutions for this as well.

Low cost car insurance quotes with good deductibles and premiums

As with any type of insurance, there is the debate of premiums VS deductibles. The deductible is the insurance company’s way of having the policyholder share some of the responsibility for an accident. The lower the deductible, the higher the premium, and vice versa. Decide what would be a better solution for your needs. If you’re not sure, ask your insurance agent or financial advisor for advice.

You can also do a little math on your own. If you opted for a higher deductible, how much could you save with a lower premium? Would the amount of money you save be equal to your deductible in case you have an incident and have to pay some of the repair costs out of pocket?

Regardless of what you decide, you may still be able to save a lot of money with discounts. Each company offers a variety of discounts, and there’s a chance you could qualify for at least one. One place you can go to find good deals and low-cost auto insurance quotes is esurance. You can start by working with a “Coverage Counselor” to find the best coverage. Also, check Esurance discounts – there are plenty and you just might qualify for one.