Compare Car Insurance Quotes & Rates
1. Get multiple auto insurance quotes in one place.
2. Get top car insurance companies quick and easy.
3. Match and save hundreds of dollars every year!!!
Cheaper Rates Today
Compare Car Insurance Now
Cheaper Rates Today
Compare Car Insurance Quotes & Rates
1. Get multiple auto insurance quotes in one place.
2. Get top car insurance companies quick and easy.
3. Match and save hundreds of dollars every year!!!
Compare Car Insurance Quotes to Get the Best Rates
Are you looking for an affordable car insurance policy? If you’re in the market for a new ride or just want to check out your options, be sure to shop around for your new car insurance rate. Comparing car insurance rates from different companies is super easy these days. We will help you find the best car insurance coverage at the best price.
Compare Car Insurance Quotes and Rates in Your State
Driving laws and practices vary from state to state. For instance, each state has its own minimum required car insurance liability coverage for registered vehicles. Also, some states are no-fault states, where auto insurance pays out no matter who is at fault, and some states are tort states, where fault is calculated as a factor in determining the auto insurance payout. Affordable car insurance is cheaper in some states than others. Quotes and rates can vary greatly from one zip code to the next. Among the factors affecting car insurance premium rates in your state are state laws, weather conditions, population density, crime rates, DUI statistics, the percentage of uninsured drivers on the roads, and other considerations that influence affordable car insurance.
Learn about auto insurance rates, liability limits, and favored auto insurance carriers, among other tips for getting the cheapest quotes on affordable car insurance.
- AL Alabama
- AK Alaska
- AZ Arizona
- AR Arkansas
- CA California
- CO Colorado
- CT Connecticut
- DE Delaware
- FL Florida
- GA Georgia
- HI Hawaii
- ID Idaho
- IL Illinois
- IN Indiana
- IA Iowa
- KS Kansas
- KY Kentucky
- LA Louisiana
- ME Maine
- MD Maryland
- MA Massachusetts
- MI Michigan
- MN Minnesota
- MS Mississippi
- MO Missouri
- MT Montana
- NE Nebraska
- NV Nevada
- NH New Hampshire
- NJ New Jersey
- NM New Mexico
- NY New York
- NC North Carolina
- ND North Dakota
- OH Ohio
- OK Oklahoma
- OR Oregon
- PA Pennsylvania
- RI Rhode Island
- SC South Carolina
- SD South Dakota
- TN Tennessee
- TX Texas
- UT Utah
- VT Vermont
- VA Virginia
- WA Washington
- WV West Virginia
- WI Wisconsin
- WY Wyoming
Is someone in your family headed to college this fall? As if it isn’t enough to worry about tuition, boarding, text books, and maybe even a car, many of us also need to consider the cost of car insurance rates for college students. Perhaps the time has come to find out all you can know about how to score the cheapest quotes on college student car insurance.
This page will benefit college student drivers and their immediate families, by showing you how to make car insurance rates more affordable for them. Review some of the most frequently asked questions about college student drivers and their options for cheap auto insurance policies. Learn about college driver safety tips and reduced rates on college student auto insurance premiums. Also see a list of major car insurance carriers that feature special deals designed to entice college student drivers to buy policies. Find out about average car insurance premium rates, college student auto insurance discounts, state traffic laws, accident statistics for young drivers, affordable family car insurance policy options, and the types of cars for college students that require the cheapest auto insurance, among other important details.
Know all the facts that college drivers and their families need to know regarding college student car insurance. Here’s how to keep your young driver safe, and at the same time, make your auto insurance premium rates as affordable as possible.
Are you, or is someone in your family a senior driver? In terms of cheap car insurance, depending on the state in which you live, and also on the organizations to which you belong, your status as a senior driver can start anywhere from age 50 to age 65.
Learn all the facts you need to know about affordable senior car insurance in the United States. Here is where seniors and their families can review all the details involved in scoring the cheapest senior auto insurance policies. Take a look at this collection of the most frequently asked questions pertaining to senior drivers and senior car insurance rates.
See a list of auto safety tips for seniors, a list of senior discounts on car insurance rates, and a descriptive list of major auto insurance carriers and organizations with special deals to make car insurance affordable for seniors. Also included is data pertaining to average car insurance premium rates, techniques used by seniors for reducing rates, senior auto accident statistics, senior car insurance policy options, and other factors that may affect affordable premiums on senior car insurance.
We feature all the information that senior drivers and their families need to know about senior auto insurance and how to grab the cheapest rates. Read this and learn how to drive safely, while also saving money on auto insurance premiums.
Differences Between a Car Insurance Quote and Your Policy Rate
A car insurance quote provides an estimate of the policy rate based on the information provided regarding requested coverages and limits. However, if complete or accurate information is not disclosed when obtaining the quote, or if circumstances change, the actual policy rate upon issuance may change.
There are several reasons why differences may exist between a car insurance quote and the final insurance policy rate. For example, omitting a vehicle’s identification number (VIN) when starting a quote could result in a changed rate once the full VIN is entered. Similarly, failing to disclose prior accidents, even minor ones, could lead to a higher policy rate. Neglecting to include details of all drivers’ operating histories has the potential to cause an increased rate as well.
When preparing for an auto insurance quote, it is best to have all pertinent and correct information readily available. This includes a valid driver’s license, the VIN for each vehicle, the address where the vehicles will be garaged, and the driving histories for the applicant and any other operators. Providing complete information upfront helps to streamline the quoting process and avoid unexpected changes to the proposed policy rate.
Compare Car Insurance Quotes
When comparing car insurance quotes, ensure they offer the same coverage.
- Coverages
- Deductibles
- Limits
Comparing car insurance can be a straightforward process once you understand what parts of a quote you need to compare. But what about the terms you encounter when getting an auto insurance quote? What is the difference between uninsured and underinsured motorist coverages? The following tips aim to help you streamline the comparison process.
Car Insurance Coverages
When you’re comparing car insurance quotes, make certain you choose the exact same coverages for each one. The types of coverage can differ, and some are optional. You want to make apples to apples comparisons on the prices, so you get the best deal.
Coverage Overview to help you compare car insurance.
- Comprehensive coverage: Pay for losses resulting from incidents that are not collisions.
- Collision coverage: Pay for damage to your car when your car is hit by another car or object.
- Uninsured motorist coverage: Pay for injuries caused by a person driving without insurance.
- Medical payments coverage: Pay medical bills caused by an auto accident.
- Personal injury protection: Pay for your medical treatment, lost wages, or other accident–related expenses.
Other coverages
- Rental reimbursement: Pay your rental car while your car is getting fixed.
- Emergency road service: Pay for towing of a disabled car to the nearest repair shop.
Car Insurance Deductibles
A deductible refers to the out-of-pocket amount paid by the policyholder for a claim. Choosing a higher deductible could result in a lower premium. When obtaining quotes from multiple providers for car insurance, be sure to utilize the same deductible amount to allow for an accurate comparison of car insurance rates.
Compare liability limits
Liability insurance limits dictate how much your insurance policy will pay out in the event of an auto accident for which you are at fault. The two main types of liability limits are bodily injury liability limits and property damage liability limits.
Bodily injury liability limits cover medical expenses, lost wages, and pain and suffering for others injured in an accident that you cause. Property damage liability limits cover repairs or replacement of damaged property that you are responsible for. Higher limits provide more coverage and protection in case of an accident.
There are pros and cons to different liability limits. Higher limits provide more financial protection but cost more in premiums. Lower limits cost less in premiums but provide less coverage. When choosing liability limits, consider the following:
• Bodily injury liability limits: Most states require at least $15,000-$25,000 per person and $30,000-$50,000 per accident. However, higher limits of $100,000-$300,000 are recommended, especially if you have assets that could be sued for.
• Property damage liability limits: Most states require at least $10,000-$15,000 in property damage coverage. But $50,000-$100,000 is a better choice to cover more expensive repairs and replacements.
• Umbrella insurance: If you have significant assets, buying an umbrella policy with liability limits of $1 million or more can provide extra financial protection above your auto policy limits.
While higher liability limits cost more, they provide more financial protection in the event of an at-fault accident. Consider your assets, risk tolerance, and budget when choosing appropriate liability limits for your needs.