Shopping for car insurance can be overwhelming. There are so many factors to consider, and it’s hard to know where to start. Do you need collision coverage? What is personal injury protection? Is comprehensive coverage worth the extra cost?

Don’t worry; we’re here to help. In this blog post, we’ll break down some of the most important factors to consider when shopping for car insurance. By the end, you’ll have a good idea of what type of online car insurance quote you need and how much you should be budgeting for your premium.

Coverage Levels

One of the first things you need to decide when shopping for car insurance is what level of coverage you need. The three most common types of coverage are liability, collision, and comprehensive.

Liability insurance

Covers damages that you cause to other people or property in an accident. It’s typically required by law in most states and is the bare minimum level of coverage you can have.

Collision insurance covers damages to your own vehicle in an accident, regardless of who is at fault. If you have a loan or lease on your car, chances are your lender will require you to carry collision insurance.

Comprehensive insurance

It covers damages to your vehicle from events that are not accidents, such as theft, vandalism, or hail damage. Like collision coverage, comprehensive is often required if you have a loan or lease on your car.

Full Coverage vs. Liability

Only One common misconception about car insurance is that there’s such a thing as “full coverage.” In reality, there’s no such thing as full coverage—there’s only liability coverage and then various levels of optional coverages that you can add on. The term “full coverage” is simply shorthand for a policy that includes liability insurance plus reportable collision and comprehensive coverages.

Deciding how much coverage you need is an important part of shopping for car insurance. Do some research and talk to your agent about what type and level of coverage is right for you and your budget.

Discounts Ask any experienced shopper, and they’ll tell you that one of the best ways to save money is by taking advantage of discounts. And the same holds true when shopping for car insurance. Many insurers offer discounts for things like having multiple policies with the same company, being a safe driver, or installing anti-theft devices in your vehicle. Some insurers also offer discounts if you’re willing to pay your premium in full upfront or sign up for automatic payments. Before you choose a policy, be sure to ask about any discounts that may be available so you can get the best possible rate on your premium.

Price isn’t everything. It’s important to remember that price isn’t everything when shopping for car insurance. In fact, sacrificing quality customer service or robust coverages in order to get a lower price could end up costing you more in the long run if you have to file a claim. When comparing quotes from different insurers, be sure to take into account more than just the price tag—look at factors like customer satisfaction scores, the robustness of coverages, and financial stability as well.


There are many factors to consider when shopping for car insurance—coverage levels, discounts, price, and customer service—but hopefully, this blog post has helped demystify the process a bit. The most important thing is to take your time and find an insurer that offers the coverage you need at a price you’re comfortable with.