Check the lowest rates and quotes on car insurance comparison
Car insurance is essential for owning a car .
While compulsory automobile liability insurance is mandatory in Japan, optional car insurance is also important to fully prepare for accidents and other troubles.
However, there are so many insurance companies and plans.
Where is the cheapest?
What are the differences in compensation?
Many people may be worried about this.
This is why car insurance comparison sites are gaining attention .
How to use car insurance comparison sites
Checkpoints when making an estimate
Tips for finding the cheapest rates
We will explain this in an easy-to-understand manner.
Why is it important to compare car insurance?
In Japan’s car insurance market, even with the same conditions, annual premiums can vary by tens of thousands of yen.
In fact, many drivers end up paying higher premiums than necessary because they “don’t review their insurance after it has been renewed.”
The benefits of comparing car insurance
You can save a lot on insurance premiums
Choose the compensation that’s right for you
Eliminate unnecessary special clauses
Take advantage of the latest discounts
Especially in 2025 , new pricing structures such as distance-linked pricing and online discounts will become more common, making comparison even more important.
Understand the basics of car insurance
Before we start comparing, let’s first understand the basic components of car insurance.
Personal injury and property damage insurance
This is compensation for injuring others or damaging their property in an accident.
Most experts recommend **”unlimited liability for both bodily injury and property damage.”**
Personal Accident Insurance
This policy will cover injuries sustained by you or your passengers in an accident.
It is notable that it will be paid regardless of the degree of fault.
Vehicle insurance
Covers repair costs for your own car. This
is especially important if you own a new or expensive car.
Special Contributor
You can add additional coverage as needed, such as:
Road service
Attorney’s Fees Special Clause
Rental car special agreement
What is a car insurance comparison site?
Car insurance comparison sites are online services that allow you to compare quotes from multiple insurance companies at once .
By simply entering your requirements once, you can see a list of each company’s premiums and coverage details.
Key Features
Free to use
You can compare multiple companies in a short time.
Online-only discounts are often available
Contains expert-supervised information
A big attraction is that even if you are busy, you can check the estimate in about 10 minutes .
Points to check when making an estimate
Don’t base your decision on insurance premiums alone
The lowest price is attractive, but it’s no use if the coverage is insufficient .
It’s important to strike a balance between premiums and coverage.
Compensation amount and deductible amount
If your deductible (self-pay amount) is too high, you will have to pay more in the event of an accident.
Check the discount system
Check to see if the discount applies to you:
Internet discount
Accident-free discount
Gold license discount
Mileage discount
What experts consider to be a good comparison site
Reliable car insurance comparison sites share common characteristics.
Covers multiple major and mid-sized insurance companies
Easy to understand quotation terms
Display of compensation details for easy comparison
Neutral information is provided
Personal information is managed thoroughly
By choosing a site that meets these criteria, you can compare with confidence.
Tips for finding the lowest price
Be sure to review it once a year
Simply compare before renewing and you can avoid unnecessary expenses.
Review the special provisions
Simply removing unused riders can lower your premiums.
Accurately report mileage
If you declare more than you actually do, your insurance premiums will be unnecessarily higher.
Reviewing your vehicle insurance
If you have an older car, it may be a good idea to remove your vehicle insurance.
Latest Trends in Auto Insurance [2025]
The following trends are expected to be prominent in auto insurance in 2025:
Telematics insurance (linked to driving data)
Dedicated plans for EVs and hybrid vehicles
Complete online contract and accident response
Flexible and customized compensation
You can also check out these new products efficiently by using a comparison site.
Common mistakes
Contracting based solely on “cheapness” results in insufficient compensation
Continuing the same insurance for many years without comparing
Not checking the accident response or support system
Entering quote terms incorrectly
summary
Car insurance comparison sites are essential tools for efficiently checking quotes and the lowest rates .
Even from an expert’s perspective, regular comparisons are
Insurance premium savings
Optimization of compensation
This leads to both.
When it’s time to renew your policy, be sure to use a comparison site to find the car insurance that’s best for you.
