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Co op Travel Insurance Review and Quotes

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It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Co op is the right company to go on holidays with?

In this definitive Co op review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Co op the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Co op travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

3,8 Safe overall rating for Co op

Co op travel insurance reviews by expert and consumers

To check if Co op is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Co op travel insurance cover?

Co op travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

Co-Op's Travel Insurance Policies are available for individuals, couples, groups and families.

Co op single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Co op:

Co op backpacker travel insurance

Backpacker Travel Insurance Policy is available at Co-Op and it comes with the following benefits:

• Up to 18 months cover
• Available across 3 levels of cover: Bronze, Silver and Gold
• Unlimited medical expenses cover
• Up to £450 emergency dental cover
• Up to £40,000 legal expenses cover
• Up to £20,000 personal accident cover
• Optional upgrade covers available such as Winter Sports, Gadgets and Valuables Cover, Natural Disaster, Car Hire Excess Waiver and Hazardous activities cover.

Co op winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available at Co-Op and it comes with the following features and benefits:

• Available across 4 levels of cover: Bronze, Silver, Gold and Platinum
• Up to 17 days cover for Bronze and Silver levels of cover
• Up to 24 days cover for Gold and Platinum levels of cover
• Up to £1,500 for winter sports equipment that you own
• Up to £500 for winter sports equipment that you hired
• Up to £750 to hire replacement winter sports equipment
• Up to £510 ski pack cover
• Up to £500 piste closure cover
• Up to £750 avalanche cover.

What are the other travel insurance options available at Co op?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Co op before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Co op travel insurance?

You'll find below indicative quotes per level of cover at Co op:

It is, however, quite difficult to give precise price ranges as Co op travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Co op?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Co op.

What else should I know about Co op travel insurance?

What are the general exclusions at co op travel insurance.

To be eligible for travel insurance policy at Co-Op:

• You must have lived in your home area for at least 6 months within the previous 12 months to purchasing the policy
• You must take reasonable precautions to protect yourself and your belongings
• You must be transparent with the company about any medical conditions you have
• You must take all reasonable steps to get back any possessions that are stolen or lost which includes helping the authorities to catch or charge the guilty people involved
• You must comply with all the terms and conditions stated in your policy.

How do I get travel insurance quote from Co op?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Co op is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Co op website?

Through the customer portal you can access your policy documents and file for claims. Just log in by entering your policy or quote reference.

How to claim at Co op travel insurance?

There are 3 ways to make a claim and that is online, through a phone call or via email.

How do I contact Co op travel insurance?

Co op contact phone numbers, co op other contact details, how to cancel your annual co op travel insurance policy.

You will find below main information to cancel your travel insurance policy at Co op:

Our opinion on Co op travel insurance

Co-op Insurance is a trading name of CIS General Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

The company offers Single and Annual Multi Trip Policies across 4 levels of cover: Bronze, Silver Gold and Platinum. They also offer Backpacker Travel Insurance across 3 levels of cover: Bronze, Silver and Gold. The maximum duration the Single Trip Policy is 90 days and that of the Annual Multi Trip Policy ranges across the levels of cover with the Bronze covering 31 days, Silver 45 days and the Gold and Platinum levels covering 90 days. The limits offered are also above average with the medical emergency cover being unlimited and the cancellation cover limit being as high as £7,500.

In addition to the main insurance policies, they also offer optional covers such as Winter Sports, Cruise Cover, Gadget Cover, Natural Disaster Cover, Golf Cover, Car Hire Excess Waiver and Hazardous activities cover.

Due to the lack of Defaqto rating and low customer satisfaction rate of 1,4/5 on TrustPilot, we would recommend that you consider other travel insurance companies such as Alpha Travel Insurance, Churchill and Sainsbury's.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

Should you get travel insurance if you have credit card protection?

Editor's Note

Some credit cards offer built-in travel insurance as a cardholder benefit. And it may be tempting to rely on credit card travel protections instead of buying travel insurance. But, the entire point of travel insurance is to be covered if something goes wrong. So, you may be wondering whether you should buy travel insurance even if your credit card offers travel protection.

There isn't one answer that fits every traveler or situation. So in this guide, we'll explore some aspects you should consider, and I'll discuss my take on this topic. Let's dive in so you can make an informed decision for yourself.

Travel insurance you can buy

At a high level, you can pay a relatively small premium (compared to the total cost of your trip) to buy a travel insurance policy that may provide reimbursement or coverage for unexpected issues that affect your trip.

Many different types of protections fall under the term "travel insurance." Standard, comprehensive insurance policies typically include broad coverage across various potential issues.

But there are also policies that offer specific coverage. For example, it's possible to purchase travel insurance that only provides medical protection for international travel (such as GeoBlue ). Likewise, you can also purchase policies that allow you to select the protections you need (such as the build-your-own option with American Express Travel Insurance ).

We've previously compared the best travel insurance policies and providers . So, check out that guide to find the provider and policy that fits your needs best. You can also check a travel insurance aggregator to compare different policies quickly.

Most travel insurance policies exclude any loss incurred due to a preexisting medical condition. However, many policies include a process to obtain a waiver of the preexisting condition exclusion if you meet specific requirements. These requirements typically include purchasing the policy shortly after the first nonrefundable trip payment or deposit and being medically able to travel when you buy the policy. Some companies also require you to insure your trip's full, prepaid, nonrefundable cost to be eligible.

Likewise, all travel insurance policies have several exclusions. For example, most plans exclude medical benefits for injuries during adventure activities such as skydiving or skiing outside maintained trails.

Related: 7 things to look out for when buying travel insurance, according to an expert

Credit card travel protections

Some cards don't provide any special travel protections. But, many of the best travel rewards cards offer travel protections. Here's a look at our guides about some of the most common credit card travel protections:

• Trip delay reimbursement
• Baggage delay reimbursement
• Trip cancellation and interruption insurance
• Travel accident and emergency evacuation insurance

Check out our guide to the best cards that offer travel protections for more details on what card might be best for you. I also recommend reading the guide to benefits for your specific cards, as these documents will detail exactly what protections you can expect when you purchase travel with your card.

Note that some benefits require you to enroll — and virtually all require a formal claim process, with no reimbursement guarantee.

Related: Getting credit card travel insurance to cover the change fee on my Disney cruise

When to purchase travel insurance

Even if you have a credit card that offers travel protection, you may still want to purchase travel insurance for some trips. Here are some scenarios and trips for which it may make sense to purchase travel insurance.

Travel protections aren't offered

As discussed above, not all travel credit cards provide extensive travel protections when you book travel using the card. So, if you're using a card without travel protections or a card that only offers limited travel protections, you may want to purchase travel insurance .

Related: The best credit cards for booking flights

Some travelers aren't covered

Just because a card offers travel protections doesn't mean everyone traveling with you will be covered. In particular, travel protections usually only extend to select relatives of the cardholder. Your credit card's travel insurance may not cover friends, employees and all relatives.

Related: Who is covered by your credit card travel insurance?

Adventure activities

If you plan to partake in an activity that most insurance policies exclude, you may want to purchase a travel insurance policy that explicitly includes your activity of choice.

For example, many policies exclude adventure sports like base jumping, sky diving, free soloing, diving, mountaineering and paragliding. You may want to consider purchasing insurance from an association involved in your adventure activity, such as Divers Alert Network (DAN) if you're a diver or German Alpine Group (DAV) if you partake in alpine sports.

You're concerned about preexisting conditions

Most credit card trip interruption and cancellation insurance benefits exclude cancellations or interruptions caused by a sudden recurrence of a preexisting condition. So, you'll want to purchase travel insurance — and ensure you satisfy the provider's preexisting condition exclusion waiver conditions — if you want trip cancellation and interruption insurance that covers preexisting conditions.

Related: 7 times your credit card's travel insurance might not cover you

Nonmedical evacuation insurance

If you want evacuation insurance for nonmedical reasons, you should purchase travel insurance that offers this coverage even if you have a credit card with evacuation insurance .

Read the benefits guide closely, as evacuation benefits may not cover every evacuation you might need. For example, some policies don't cover evacuation from an area with a travel warning when you booked your trip or evacuation from a place suddenly inaccessible due to a landslide or other environmental incident.

Related: A Medjet medical transport membership is different from travel insurance

Cancel for any reason

Suppose you are uncertain whether you'll be able to take your trip, and you're worried that applicable credit card trip protections won't reimburse you if you decide to cancel or interrupt for a reason that isn't covered. In that case, you may want to purchase cancel for any reason trip insurance .

Related: 6 truths and myths about cancel for any reason travel insurance

You want peace of mind

Some travelers prefer to buy travel insurance — for each trip or via an annual travel insurance plan — for the peace of mind that having a travel insurance policy brings. Especially given the issues travelers have faced with a specific credit card insurance provider , it may be worth buying a travel insurance plan if you don't feel confident your credit card travel insurance and individual health insurance will combine to provide enough coverage during your trip.

Related: Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections

When credit card travel protections may be enough

Suppose you don't fall into any of the categories above and use one of the best credit cards with travel insurance when making travel purchases. In that case, you may determine that credit card protections are enough for some (or all) of your trips. However, I only recommend relying on credit card protections if you also have health insurance that will provide adequate coverage at your destination.

Below is a collection of reasons you can rely on credit card protections instead of purchasing independent travel insurance. If some (or most) of these reasons apply to your trip, it may be reasonable for you to rely on credit card protections instead of buying travel insurance:

• You have personal health insurance that will cover you on your trip, even if treatment is out of network at your destination
• You book your trip with a credit card that provides travel insurance
• You have a credit card that provides medical evacuation benefits during your trip
• You make refundable travel plans that you can cancel for little or no fee
• You tend to change your plans frequently or book travel at the last minute
• You have an emergency fund that can cover unexpected expenses if needed
• You have airline miles or transferable points you can use to leave the area or return home if needed.
• You avoid especially high-risk activities and destinations

The decision of whether to buy travel insurance is complex and personal. If you don't feel confident that your credit card protections and individual health insurance will provide adequate coverage, it's likely worth buying travel insurance.

Related: Why you might want to get a premium credit card instead of purchasing travel insurance

Why credit card travel insurance is usually enough for me

After researching the best travel insurance policies and providers , I purchased travel insurance for one specific trip because I wanted political evacuation coverage.

But for most of my trips, credit card protections and individual health insurance provide enough coverage for me. After all, my travel usually looks like the following:

• My flights are often award flights that I can cancel and redeposit free of charge — or ones that carry minimal change and cancellation fees
• My lodging can almost always be canceled without a penalty until shortly before my stay
• If I book a tour or activity, it's usually within a few days of said tour or activity (or offers free cancellation)
• My health insurance provides out-of-network coverage outside the U.S., so travel insurance would only pay for my deductible. In addition, my out-of-pocket maximum for out-of-network care is low enough to cover using my emergency fund
• I book flights and pay for the taxes and fees for award flights using the Ink Business Preferred® Credit Card , which provides excellent travel protections for a $95 annual fee card
• I have ample airline miles and transferable points that I can use to cover last-minute one-way flights if needed

As you can see, the benefits of purchasing travel insurance would be minimal for most of my trips. The travel protections I use most are trip delay protection and baggage delay protection , both of which the Ink Business Preferred Credit Card provides when I use it to pay for my flights.

Related: Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

Bottom line

As you book trips, you may wonder whether you should purchase travel insurance. One way to decide is to consider whether you'd be adequately covered without purchasing travel insurance if the worst happens.

If you're willing and able to cover the costs in this situation — or you feel confident you'd be adequately covered by your credit card's travel protections and health insurance — then you may want to proceed without buying travel insurance. Otherwise, I recommend purchasing a travel insurance policy shortly after you make the initial payment for your trip.

• Policy Documentation
• Frequently Asked Questions
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Travel Insurance

Great value travel insurance from your co-op travel.

We have worked hard to ensure that Your Co-op Travel Insurance offers the cover you require at the right price, so all you have to think about is what to pack!

• If you would like information about COVID-19 Cover please click here

Cruise Travel Insurance

Make sure that you have cover for your cruise whether you are cruising through the Fjords or voyaging the Caribbean. With our Travel Insurance you have the option to include Cruise Cover. By adding optional cruise cover to your Travel Insurance, you and anyone else named on your policy can be confident that you have additional cover for the duration of your cruise. It covers you while on board the ship, when taking part in activities and if you go ashore during the cruise.

You can purchase our optional Cruise Cover for an additional premium on our Economy or Premier policies. Cruise Cover is offered as standard under our Super level of cover.

The Optional Cruise Cover Provides:

• Missed Port Departure (up to £2,000)
• Unused Excursions (up to £500)
• Cabin Confinement (up to £1,000)
• Itinerary Change (£300 per port)

All our policies automatically include:

• Cancellation and Curtailment (Up to £5,000) 
• Medical Expenses (Up to £5,000,000) 
• Personal Possessions (Up to £1,500) 

If you would like the enhanced Cruise Cover please ensure you include this in your policy.

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• Branch Finder

Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (FCA No. 300317).

Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487, with a registered head office at 7 Boulevard du Régent, 1000 Brussels. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter Partner Assistance S.A. is registered in England with its registered address at 106-118 Station Road, Redhill, RH1 1PR (UK branch registration number: BR000947). Inter Partner Assistance S.A. has a share capital of EUR 130,702,613.

When Do You Need Travel Insurance?

T ravel is an adventure filled with unexpected detours. Whether it's a volcano erupting in Iceland or a sudden illness before a big trip to Kenya, the unpredictable happens. That's why travel insurance isn't just a checkbox on your planning list; it's a parachute in your backpack for your personal finances . Let's dive into when you really need travel insurance and how it shields your travel investments.

What travel insurance can cover

Travel insurance can give you peace of mind when it comes to several elements of travel.

Natural disasters and severe weather

Did you know that 12% of trips are affected by natural disasters? Take, for instance, my personal mishap in 2010 when the infamous Eyjafjallajökull volcano in Iceland erupted. Ash clouds billowed into the sky, grounding flights across Europe, including my own in London. Stuck unexpectedly and without travel insurance, the financial and logistical stress was immense. This experience underscored a harsh truth: Travel disruptions are not just possible; they are a real risk that can happen anywhere, anytime.

If your travel destination has a reputation for weather-related unpredictability, travel insurance is a must. It ensures you can recoup the costs if you need to cancel or your travel is disrupted. This kind of foresight is invaluable, particularly considering that 41% of U.S. travelers do not purchase travel insurance when going abroad.

Health emergencies

The risk of falling ill or having an accident is more common than most travelers anticipate. In 2022, 1 in 5 paid travel insurance claims was for medical emergencies. U.S. health plans often provide limited coverage overseas, which means you could be facing hefty medical bills far from home without travel insurance. Plus, emergency medical evacuation -- which can cost anywhere from $20,000 to $200,000 -- is typically covered under travel medical insurance, safeguarding your health and your wallet.

Read more: check out our picks for the best car insurance companies

High-cost trips

Travel insurance is crucial if you're investing in a once-in-a-lifetime trip or your travel plans include high-cost, non-refundable elements like tours, cruises, or multiple connecting flights. In 2022, the average claim payment for travel insurance was $2,157, while travelers only spent an average of $266 per policy. This relatively small investment can protect against significant financial losses, especially if your non-refundable trip costs are more than your budget can stand.

The "cancel for any reason" safety net

Sometimes, plans change not because of a disaster or illness but simply because you decide to. That's where "cancel for any reason" (CFAR) coverage comes in. This add-on allows you to recover part of your investment even if your reason for canceling isn't covered under a standard policy. While CFAR can add about 50% to your insurance cost, it offers flexibility and peace of mind, reimbursing you for 75% of your prepaid, non-refundable expenses if you cancel at least 48 hours before departure.

Long journeys and remote destinations

Extended vacations or travels to remote locations with limited medical facilities also warrant travel insurance. The further you are from home, the more complicated and expensive it is to handle unexpected issues like medical emergencies or trip interruptions. The average trip cancellation claim was $6,448 in 2022 -- highlighting how crucial it is to have coverage that matches the scope and scale of your journey.

This is also important if you plan to be abroad for a long time. For example, I live with my family in Switzerland for the summer, so we get insurance to cover our entire stay in the event we need to go to a doctor for anything from strep throat to a broken bone.

Other costs covered by travel insurance

Here's a quick list of what's typically covered.

• Trip cancellation: Reimburses 100% of prepaid, non-refundable deposits if you cancel for a covered reason.
• Travel delay: Covers expenses incurred due to delays if the policy covers the cause.
• Cancel for any reason (CFAR): Allows cancellation for any reason not listed in the base policy and provides partial reimbursement.
• Trip interruption: Reimburses non-refundable parts of your trip if interrupted for a covered reason.
• Interruption for any reason (IFAR): This policy offers reimbursement for any interruption, regardless of the reason, as long as it's not listed in the base policy.
• Missed connection: Compensates for costs incurred due to missing a scheduled flight or other transportation due to a covered event.
• Baggage delay: Reimburses for necessary purchases like clothing and toiletries if bags go missing during travel.

These coverages help manage the risks and potential inconveniences associated with traveling, providing peace of mind no matter where your journey takes you.

When you should get travel insurance

Like auto or home insurance , travel insurance is often considered a prudent investment, especially under certain travel conditions where the risks and potential losses could be significant. Here are some scenarios where buying travel insurance proves to be especially worthwhile.

• High nonrefundable costs: If your trip's upfront costs are substantial and nonrefundable, insurance can protect you from severe financial loss if your plans fall through.
• International travel: Having insurance is crucial when traveling abroad, where unexpected issues can complicate matters.
• Remote destinations: Travel insurance is essential for peace of mind and safety in areas with limited healthcare facilities.
• Hurricane-prone areas: Insurance can protect you from last-minute cancellations and disruptions when traveling to regions known for hurricanes or other severe weather.
• Complex itineraries: With connecting flights or multiple destinations, the chances of encountering issues increase, making insurance a smart choice.
• Flexible cancellation options: Certain travel insurance policies can offer partial reimbursement if you need to cancel or cut your trip short for any reason.

Choosing whether to buy travel insurance is about assessing risk. Will the peace of mind of knowing you can handle almost any issue while away from home make your trip more enjoyable? If the answer is yes, then travel insurance is worth it.

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For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

On a similar note...

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