Compare Car Insurance Rates & Quotes
Find the best car insurance deals by comparing quotes from various car insurance companies. We've compiled guides on all the best and cheapest car insurance policies for different types of drivers.
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Compare Your Car Insurance Options
Car insurance companies offer a variety of policies. Choose which ones are best suited to your needs.
Comprehensive car insurance covers damage to your vehicle from theft, vandalism and fire. It will also help you to pay for vehicle damage which falls under a covered peril.
Liability coverage is the minimum amount of coverage which a driver must have. It is comprised of two parts. Bodily injury liability and property damage liability.
Collision car insurance covers drivers in the event of an accident with another vehicle. It also cover damage caused by an object, such as a fence or wall.
Medical payments insurance may help you pay for medical bills which came from a car accident. It usually covers surgery, x-rays and general hospital visits. It usually also covers passengers in your car.
Uninsured motorist coverage, covers you if you are injured by another uninsured driver. This type of coverage will help you pay for medical bills, and sometimes, repairs to your vehicle.
Personal injury protection may help you to pay for medical bills which arise from injury in an accident. It is not available in all states.
Car Insurance Cost Estimate In Your State
These car insurance estimates are based on the average cost of a full coverage car insurance policy in each state.
California
$2,291
Florida
$2,014
Alabama
$1,843
Colorado
$2,121
What Is Car Insurance?
Car insurance helps you to pay for another driver’s repairs or medical bills after you cause an accident. Some types of car insurance will help you to pay for repairs to your own vehicle.
Car insurance also covers you in the event of a fire, hail, vandalism or theft to your vehicle.
In order to make use of your car insurance policy, you need to file a claim. When you’ve filed a claim, your insurance provider will evaluate the claim and they will pay out up to your policy’s limit.
The coverage level that you choose will determine how much your policy will pay out to you. If your costs go above your policy limit then you will be expected to pay the difference yourself.
Do I need Car Insurance?
Most US states require car owners to carry a minimum level of liability insurance. In fact, the only states which don’t require car owners to carry insurance are New Hampshire and Virginia.
If you finance your car then you will most likely need to carry more than the legal minimum insurance for you state.
Besides minimum car insurance, you may want to increase your coverage level by opting for other policy types, such as collision car insurance.
How can I lower my car insurance rate?
The best way to lower your car insurance rate is to shop around and compare quotes from different insurance providers. Different providers weight the various factors that calculate your overall rate uniquely, so you’re almost guaranteed to get different prices for the same level of coverage.
You should also look out for discounts. Most providers will offer you discounted prices for doing things like:
- Paying online
- Paying for your entire policy upfront
- Agreeing to automated payments.
You can also take an advanced driving course, which makes you less of a risk to insure. This can lead to lower car insurance premiums with certain providers.
Another way to reduce the cost of your insurance is to evaluate your coverage levels. Make sure that you aren’t overpaying for your car insurance with unnecessary costs. Consider lowering your policy limits or dropping certain types of coverage.
However, when reducing the rate of your insurance by dropping coverage, make sure that you don’t underinsure yourself. You will still need to comply with state law requirements.
What affects your car insurance rates?
Age is one of the most significant rate factors. Young drivers can expect to pay significantly more than older drivers. Insurance providers view teenage drivers as high risk, which means they charger higher premiums.
On average, female drivers pay less for car insurance than males. Statistically speaking, males are less risk averse and do not drive as safely. This means that females can expect to receive lower premiums.
When it comes to calculating your car insurance rates, your past record is seen as an indicator to your future performance. If you have previous driving tickets, DUIs or reckless driving charges, then you can expect to pay higher premiums than those with a clean record.
Your credit score is a significant factor in determining your rate. Statistics show that drivers with a poor credit score make more claims, on average, than those with a high credit score.
Find The Best Car Insurance In Your State
How To Buy Car Insurance
When you're looking to purchase car insurance, it's important to follow a simple research plan to make sure you're getting the best deal for yourself.
Follow these easy steps and let us help you to make the right car insurance decision for you.
Constantly Review Your Car Insurance Rate
If you’re looking to get the best deal on your car insurance, then you should regularly check the rates of different providers. You car insurance policy will renew every six months to a year. You might want to consider shopping around for different quotes during this time, to make sure you’re still getting the best deal.
On top of your policy renewal checks, you should also review your rate any time something changes with your car. For example, moving to a different city / state, adding a new named driver to the policy or buying a new vehicle. These circumstances can all impact your quote.
1
Determine The Level Of Coverage You Need
Every US state demands a minimum level of car insurance coverage. However, there are additional coverage levels for you to choose from, which all insure you for different events.
These policies include:
- Gap Insurance
- Collision Car Insurance
- Personal Injury Protection
- Roadside Assistance
- Comprehensive Car Insurance
2
Compare Quotes From Multiple Insurance Providers
You’ll find different quotes provided to you by different car insurers. You should shop around and see which car insurance provider has the best quote for you.
When comparing quotes, you should look for more than simply price. You’ll want to purchase a policy from a company with high financial strength. If your insurer isn’t strong financially, then you increase your risk of not having claims paid out to you.
3
Decide On A Policy And Purchase Your Car Insurance
Once you’ve chosen a policy from an insurance provider, all that is left to do is to purchase a policy. You will either need to make your purchase online, or through an agent.
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FAQs
When Should I Compare Car Insurance?
You should compare car insurance quotes when your policy renews, this is usually every six months to a year. However, you should also review your rate when your car circumstances change.
What Is The Cheapest Type Of Car Insurance?
Minimum coverage insurance is the cheapest car policy that you must purchase. Minimum coverage only provides enough protection to meet legal requirements.
How Should You Compare Car Insurance Quotes Online?
The best way to compare car insurance quotes online is to use an insurance comparison site. These sites compare different insurance providers in order to provide you with the best options.
How Much Should I Pay For Car Insurance?
How much car insurance you should be paying varies depending on multiple factors, such as; your age, gender, location, credit score, experience and other factors.