Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Everyone wants discount car insurance. Not just because times are tough economically speaking, but simply because getting a good deal is something to brag about. What you have to be careful of, however, is choosing an inferior insurance in an effort to find a deep discount.

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Some insurance companies have excellent reputations while others, not so much. Some are known for their very high prices but fast turn around on claims while some have low prices but are slow to provide their customers what they need.

The trick to finding good discount insurance is to find the company that offers a bit of everything you need.

What to Look for from a Discount Car Insurance Company

There are some simple things that you need to look for from a car insurance company that offers discount insurance options. They are:

  • Stability of the company
  • Range of choices
  • Good reputation
  • Location
  • Claims

Stability of the company – The stability of an insurance company is very important for your decision making process. It doesn’t matter how inexpensive your insurance is, if the company is about to file for bankruptcy, then you aren’t covered the way that you should be.

There are a couple of different places that you can check the stability of a company. A.M. Best and Standard & Poor’s are the industry standards for this information. In many cases, the insurance company will show their rating on their website.

Range of choices – A company with a wide range of insurance choices offers you two benefits. The first is that when a company offers more choices, the risk pool opens up. What this means is that they sell insurance for every risk levels, such as motorcycle insurance, car insurance, malpractice insurance and so on. The risk is spread out, allowing for lower rates.

You can find discounted car insurance rates if you are just willing to look Enter your zip in now to start!

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The other benefit is that if you have need for other types of insurance, you can buy them all in one place. Not only is this convenient, but most insurance companies offer discounts if you purchase multiple policies from the same company.

Good reputation – This one is probably a no brainer for you. A good reputation means that the company has happy customers. Happy customers generally mean that the company handles their claims well and has good prices.

Location – This is something that you don’t think about very often, but companies that actually have offices where you live can be rather important. When you have an accident, you want someone from your insurance company to help you right?

If you choose a company that doesn’t have agents in your area, then you will be dealing with an adjustor that isn’t familiar with your policy, your car and so on. Not only can this be frustrating, but this can also slow down the claims process, as everything has to go through an intermediary.

Claims – Although you don’t plan on having an auto accident, you need to choose your insurance company as if you are going to have an accident tomorrow. You want to choose a company that is well known for paying their claims quickly and without much fuss.

When you check the stability of the company, you will find a section on their ability to pay claims as well as the amount of claims that they paid versus the amount of claims filed. This is very useful information during the selection process.

You can also use online forums and websites to find out what people are saying about discount car insurance companies, but be careful, customers are more likely to report a negative experience than a positive one.

One source that you should not over look is the people you know. Your friends, neighbors, family and co-workers are all excellent sources for you. If you get online quotes, which you should, then you can ask around to see if anyone has experience with any of the companies that offer the lowest rates.

If you know someone who has had an auto accident recently, ask them about their experience with their insurance company. In addition, if they caused the accident, ask them how much their rates increased so you can get an idea of what the company does if an accident occurs.

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Getting a Discount: Car Insurance Companies Offer Many Options

Rather than looking for basic discount car insurance, you may also want to look for car insurance companies that offer a lot of discounts. Nearly every insurance company offers some type of discounts, but there are some that offer more and others that have very specific types of discounts.

Many insurance companies offer some common discounts:

  • Multiple policy discounts
  • Multiple car discounts
  • Safe driver discounts
  • Loyalty discounts
  • Anti-lock break discounts
  • Anti-theft device discounts

In addition, insurance companies reduce rates when:

  • You turn 25
  • You get married
  • You have a child
  • You purchase a safer car
  • You drive fewer miles annually

Some insurance companies offer discounts for:

  • Students that make the honor roll
  • Drivers that take certified driving and defensive driving courses
  • Drivers who graduate from college
  • Drivers who work for certain companies
  • Drivers who park vehicles in secured garages
  • Senior driver discounts

You will find that there are some insurance companies with even more specific discount programs. However, these are company specific and there are so many that there is no room to post them all here.

Shopping around is the only way to ensure that you get the deepest discount on your insurance possible.

Finding Your Discount: Car Insurance Companies with the Best Rates

The truth is, the best way to find discount care insurance is to use a free quote tool like the one we offer here. Quote tools allow you to look at the cost of each insurance company without have to jump from website to website.

In addition, when you use a quote tool you aren’t under any obligation to buy. What’s more, you won’t receive phone calls or emails begging you to try a specific insurance. We don’t sell insurance; we only show you your options.
While in most cases you want to skip the middleman when you are buying products because it saves you money, the truth is that when it comes to buying insurance, using a quote tool is going to save you a lot of time and effort.

You can get your quote right now with our free quote too. It is easy to use and it’s free for you to use. Enter your zip code and get your instant car insurance quotes right now!