The links shown above lead to summaries of current data, strange facts, state laws, local rates, and other important information regarding car insurance in each of our 50 U.S. States.
When underwriters write auto insurance policies, they take quite a large number of demographic facts into consideration. For example, the underwriter wants to know what type of job you have, how far from home you work, what type of vehicle you drive, where you park the vehicle you drive, who else drives your vehicle, who you live with, and whether or not you maintain good credit. All of these facts are taken into account by the underwriter. Also being considered are personal details such as your age, gender, marital status, and criminal record (if any), among other things.
Another important part of an underwriter’s calculations is your geographic location. This makes sense when you think about it: If all other factors were equal, it would be costlier to insure a vehicle in a harsher climate than a milder climate, due to potential damage to the car from hail storms and the like.
State laws also play a role in the cost of car insurance. For instance, the annual premiums in a “tort” state are generally lower than the annual premiums in a “no-fault” state.
Find out how your state measures up to the national average in terms of annual premium costs for car insurance. Learn the minimum required auto insurance coverage in your state, which is based on the laws of each state. Know the penalties for driving without insurance in your state, or you might have to find out the hard way. Penalties vary by state, but you can bet that all penalties are bad. You will also learn about national accident statistics, and see a list of local and national favorite auto insurance carriers, with a detailed description of each one when you follow the “Companies” link.
Best of all, learn how to score the lowest possible annual premium rates on an auto insurance policy in YOUR state! We offer all kinds of personalized tips on how you can lower the cost of your car insurance. All you need to do is follow a few simple steps, as outlined here. Learn all the tricks of the trade for scoring the deepest possible discounts on auto insurance. Too many people overlook these crucial money-saving opportunities.
It’s important to know how your state laws effect your car insurance coverage. Each state’s insurance plan has a different set of rules, and each individual insurance plan is a little bit different. Knowing the facts about minimum liability coverage, penalties for uninsured drivers, average annual premium rates, auto insurance carriers, driver demographics, special discounts, and how to get free quotes online and by phone will help you build an optimal, custom made auto insurance policy at the lowest possible cost.
The more you learn about car insurance, the more money you will save on your annual premium rates for car insurance.
It’s that simple.