The one thing most people really must have but detest to buy is car insurance. Affordable car insurance is only appreciated when it is needed after an accident or damage from a natural disaster. The problem is that affordable car insurance is hard to find unless you have that perfect mix of a clean driving report, good credit and insurance scores, live in the right area, be in the right age range, and drive a extreme risk car. For the rest of us, we may claim to have affordable car insurance, but we have to work awfully hard to make the premiums.

Drawing from personal experience and some tricky work on the internet, a list of companies that offer competitively priced if not affordable car insurance. When shopping for insurance of any type, make sure that you shop. Try as distinguished as possible to compare apples to apples.

Insurance agents like to build in things to drive the sign up to earn bigger commissions. Online agents do the reverse and may leave some key items out to make definite that they offer you the most affordable car insurance, but it may not always be the best for you. Here is a list of five companies that for the most part are well known and respected. For comparison purposes, I have used an aging mini-van and not-quite-new Dodge Intrepid for test purposes.

The only discounts considered are for top-notch driver and multiple vehicle coverage. Several of these companies give discounts for membership in some professional, governmental, and civic organizations. Because there are hundreds of these, I recommend that you check with your company or agent for such discounts.

Safeco Insurance Company is one that I have recent personal experience as an insurance carrier. For the two vehicles mentioned, the six month premium paid for monthly by bank draft costs $84 per month. For this amount, both vehicles carry both liability that is required by law in most states and collision. The collision deductible is $250 per incident and comprehensive is at zero deductible. The liability limits are above the minimum at $100,000/$300,000. The policy does not include towing or rental car at this label. It does include underinsured and uninsured motorist coverage. Medical coverage is cramped to $5,000.

The Hartford Insurance Company is another excellent insurer that was considered. For the same two vehicles, the cost was quoted at $68 per month via bank draft. While the label was lower than Safeco, there were some differences in the policy. The two major changes were that the collision deductible was raised to $500 per incident. The comprehensive was not available at a zero cost deductible. The quoted price included a $250 deductible on comprehensive. At this level, a no-deductible on windshield glass that can be repaired is offered. Liability and medical coverage was the same level as Safeco. Uninsured and underinsured motorist, no towing, and no rental car are also the same.

American Family was the next company viewed for affordable car insurance. The quote on the two vehicles came in at about $65 per month on bank draft. No changes were noted in the liability coverage. Medical, underinsured, and uninsured motorist were included in the premium amount. Both vehicles were covered for collision at a $500 deductible. The comprehensive was set at a $250 deductible with repairable windshield afflict excluded from the deductible. The quote was obtained without towing or rental vehicle coverage.

Because of their lizard and heavy TV advertising, Geico is the next company considered for affordable car insurance. They quoted these vehicles at about $105 per month with several differences in coverage. The liabilities, underinsured, uninsured motorist coverage was the same level. The mini-van was quoted in this offer without collision or comprehensive coverage. Also, the comprehensive and collision on the Intrepid were both spot at $500 per incident. Both vehicles were again quoted without towing or rental vehicle.

The final company in this list is Allstate. Having used this company a few times in the past, I have found them to be competitive when looking for affordable car insurance. However, for the quote on these vehicles, the monthly premium on a bank draft was $91. The coverage was the same as most of the other companies. Both vehicles were quoted with liability, comprehensive, and collision. The comprehensive and collision both carry a $500 deductible with the exception for windshield repair. Uninsured and underinsured motorist and medical coverage was included. Again, a rental replacement vehicle was not offered nor road hazard with towing.

Four out of the five of these quotes were obtained directly from agents. The fifth, Geico, was handled online only. There was no real difference in the clarity of the quotes with the exception that it is handy to have a live person to acknowledge questions immediately. Geico’s website is hastily and easy to use. I was able to get a quote within three minutes from the time that I started the perform until the quote was offered. The agents that I dealt with in searching for possible new coverage for vehicles, were efficient, helpful, and responded within a reasonable time frame.

It is possible to find the most affordable car insurance with a moderate amount of danger. You just need to be diligent to ask for the honest or desired coverage so that the quotes are able to be compared. If you change your mind about deductible amounts or liability limits during the process, be determined to go back and be blooming to earlier agents by allowing them to quote their premium amounts with the same terms.