Auto Insurance Companies That Beat Quotes (2022)

You can't exactly negotiate with auto insurance companies that beat quotes to save on your rates, but some insurance companies will work with you to get a lower rate and earn your business. The best way to get a low rate is to shop around and compare multiple quotes. However, auto insurance companies that don’t beat quotes are standard, and your best bet is to consider switching to the cheaper competitor for a lower rate on your coverage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Oct 15, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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A Concise Overview

  • Auto insurance companies don’t match or beat quotes because the state heavily regulates rates
  • While you can’t negotiate your rates to find auto insurance with the best quote, you may be able to decrease what you pay by asking about discounts and raising your deductible 
  • If your insurance company can’t offer you the rates you’re looking for, you can comparison shop to find a better deal on auto insurance 

If you’re wondering how to buy auto insurance, one of the factors you need to consider is price.

How do you find the best and most affordable coverage for your needs? Are there auto insurance companies that beat quotes? What about car insurance companies that match quotes? Which company has the best coverage?

The best way to get a reasonable price on your auto insurance, whether your auto insurance company beats quotes or not, is to compare rates from multiple companies. Read this article to find out whether there are auto insurance companies that match quotes.

Before we jump into this overview of whether auto insurance companies beat quotes or not, start shopping for insurance now by using your ZIP code in the tool on this page.

Are there auto insurance companies that match or beat quotes?

Unfortunately, the short answer is no. There aren’t any auto insurance companies that beat quotes because insurance rates are set and regulated at the state level. However, if you’re looking for ways to lower your rates, you may be able to work with your auto insurance company to find other ways to do so.

You can speak with your insurance company about creative ways to lower your rates. One option is to discuss discounts. It’s a good idea to check with your insurer to find out if there are additional discounts you may qualify for that have not already been applied to your rates. 

Additionally, another tool for lowering your rates is to consider increasing your deductible. A higher deductible can mean lower insurance rates. On average, your rates may decrease between 15% and 40%, depending on how high you increase your deductible. 

You can speak with your insurance company about whether or not this is an option for you and how much increasing your deductible could lower your rates. Just keep in mind that a higher deductible means when you file a claim, there is a higher out-of-pocket cost to you before your insurance coverage kicks in. 

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How do you find the best auto insurance quotes from the best auto insurance companies?

Are you looking for the best auto insurance company in your state? What about good coverage with a poor driving record or a poor credit score? If you need to add a teen to your coverage, what’s the best way to get affordable coverage?

When you find yourself in one of the situations we just described above, you’ll get the most bang for your buck when you shop around. What do we mean by this? You should get quotes from at least three companies and compare.

So how do you get started?

  • Determine how much coverage you need – Only you can decide on the right coverage amount for your situation, but factors to consider include how much you drive, the value of your vehicle, accident rates in your area, and the driving experience of anyone you’re adding to your policy.
  • Start shopping around – We’ve made it easy for you with the free quote tool on this page; all you need to get started is your ZIP code.
  • Compare at least three quotes – Getting multiple auto insurance quotes will allow you to find the best quotes in your area for the coverage you need.

Comparing rates is still a good idea even if you think you know which insurance company will be the best fit.

For example, if you’re in the military, the best coverage for you may be USAA, which is specifically tailored for military members and their families. Still, you should shop around to make sure.

If you’re struggling to find coverage because you’re too high risk, reach out to the Automobile Insurance Plan Service Office. Nearly every state in the country works with this organization to provide insurance to high-risk drivers.

Auto Insurance Companies that Beat Quotes: The Bottom Line

Auto insurance companies cannot match, beat, or negotiate rates because rates are regulated at the state level. However, companies can work with you to find ways to reduce what you’ll pay by applying discounts and taking actions like increasing your deductible. 

You can also save by shopping around for coverage. While there aren’t any auto insurance companies that beat quotes, you can save on your rates by comparing quotes from multiple companies. And you can get started today by entering your ZIP code in our tool to get a free quote. 

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