Get a FREE quote, find a local insurance agent.
By doing your research and comparing car insurance companies,
you can ensure you find the right coverage at the most affordable price.
List of Car Insurance Companies
•Allstate To get a quote by phone, call: 866-585-1101
•Liberty Mutual call 1-800-837-5254
•State Farm High in customer satisfaction. Call 855-793-8560
•USAA - Highest in Customer Satisfaction. Offers a wide variety of insurance and financial services. Call
•AMICA call 800-242-6422
National Association of Insurance Commissioners.
Finding an insurance company can be a challenge.
The NAIC's Consumer Information Source provides information about insurance companies you can use BEFORE purchasing insurance.
File an insurance complaint with your state. file a complaint directly with your state insurance department
State insurance departments are the best sources for company and agent licensing information.
You also can visit your state's department of insurance to check consumer complaint ratios and basic rate comparison surveys. State Insurance Depts.
Review consumer satisfaction surveys from J.D. Power J.D. Power
Car Insurance Explained
Liability Insurance - pays somebody else for Bodily Injury and/or Property Damage which you may have caused and for which you may be legally liable.
"Uninsured Motorist" Coverage - This will cover you if you sustain Bodily Injury in an auto accident in which the other driver was at fault and the vehicle was uninsured.
Collision Coverage - designed to protect your VEHICLE against loss or damage from a collision.
Comprehensive Coverage - designed to protect your VEHICLE against loss or damage from other than a collision (fire, theft, vandalism, flood, glass breakage, etc.)
Towing Coverage - your insurance company will reimburse you for the cost of towing your insured vehicle.
Rental Reimbursement Coverage - will reimburse you for the cost of renting a temporary substitute vehicle while your insured vehicle is out of service.
Car Insurance Risk Profile
Insurance companies use your risk profile to help determine your rates. They want to know how likely you are to file a claim which costs them money. Insurance companies will ask you for all kinds of information so they can assess your risk. Every piece of information you give them goes into your profile and helps them determine your likelyhood of costing them money or not. They want their customers to be low risk so fewer claims are filed. High risk customers are forced on them by government. These people have to be insured as well.
What goes into your profile? Age, sex, driving history, your location, your education, your occupation,
as well as your car year, model, type, miles driven, even your credit history. If you insure a BMW, Mercedes, Porsche, Jaguar, Corvette or luxury car, your rates will be more than a Toyota Camry, for example.
The insurance companies have a long track record of claims and they keep records of trends. What kind of cars are more often involved in accidents, what age ranges of drivers are more often involved in accidents or file claims for comprehensive coverage. Depending on your profile and what car you insure, the insurance company fits you into the trend. For example if you are a teenager your rates are going to be high because trends show teenagers have more accidents on average.
As you get older your rates could go down. If you insure a sports car your rates could be higher than a family sedan. If you drive a lot in a large city your rates could be higher than a person who drives very few miles in a much smaller town.
What should you do before getting car insurance
Determine your state's minimum insurance requirements.
Review the status of your driving record - do you have any outstanding tickets or points on your driver license?
Get competing quotes from Internet insurance Web sites and individual companies.
Inquire about discounts. Discounts may be given to you for good driving record, alarm systems, low annual miles driven, more than one car insured, or bundled insurance such as renters insurance and auto insurance with the same company.
Evaluate the reliability of the insurance companies you're considering by visiting your state's insurance department Web site, reviewing consumer surveys and talking to friends.
Review the policy before finalizing it.
Do not cancel any existing policy before a new policy is effective.
Find out how the insurance companies stand with the Better Business Bureau (BBB) www.BBB.org.
The BBB ranks companies from A+ to F, and gives you a multitude of information about those companies.
Ask about bundling insurance policies.
Also known as multi-line coverage, some companies provide discounts for purchasing two or more lines of coverage (such as car insurance and homeowner insurance).
Check on Exclusions. These are specific people, damages, events, and property that your policy does not cover.
Check with auto body repair shops and car dealerships. These people deal with auto insurance companies daily and can offer first-hand recommendations.
Don't sign if the contract denies you the right to sue the insurance company.
Check the deductibles. High deductibles may lower your rate but cost you if you file a claim.
Check your car's value at the Kelly Blue Book website. www.kbb.com
The State in which you insure your vehicle will determine higher or lower rates as well. Michigan for example has higher rates in part because state laws require the insurance company to pay more for medical costs of injured people in an accident. Montana, being more rural, should have low rates but this is not true due to many other factors. Ohio and Maine have low rates. Many factors are involved in rates, not just your profile and your policy coverage.
What Determines the Price of My Auto Insurance?
The average yearly auto insurance premium is around $800 or $67 per month. Your premium depends on:
1. Your driving record.
The better your driving record, the lower your premium. If you have had accidents or serious traffic violations, it is likely you will pay more than if you have a clean driving record. You may also pay more if you are a new driver and have not been insured for a number of years.
2. How much you drive your car.
The more miles you drive, the more chance for accidents.
If you drive your car for work, or drive it a long distance to work, you will pay more. If you drive only occasionally—what some companies call “pleasure use”, you will pay less.
3. Where your car is parked and where you live.
Where you live and where the car is parked can affect the cost of your insurance.
Due to higher rates of vandalism, theft and accidents, urban drivers pay a higher auto insurance price than those in small towns or rural areas. Other factors that vary from one area or state to another are:
a.) cost and frequency of litigation (lawsuits);
b.) medical care and
c.) car repair costs;
d.) prevalence of auto insurance fraud; and
e.) weather trends (snow, ice vs. sunny and warm).
4. Your age.
In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers.
So insurers generally charge more if teenagers or young people below age 25 drive your car.
5. Your gender.
As a group, in general, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents (DUIs) and most importantly less serious accidents than men. So, all other things being equal, women generally pay less for auto insurance than men. Women generally drive more cautiously than men, who are generally more aggressive drivers. Teenage drivers and older drivers are exceptions.
6. The car you drive.
Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car itself, the cost of repairs, and the overall safety record of the car. Engine sizes, even among the same makes and models, can also impact insurance premiums. Cars with high quality safety equipment might qualify for premium discounts.
7. Your credit.
For many insurers, credit-based insurance scoring is one of the most important and statistically valid tools to predict the likelihood of a person filing a claim and the likely cost of that claim.
Credit-based insurance scores are based on information like payment history, bankruptcies, collections, outstanding debt and length of credit history.
8. The type and amount of coverage.
In every state, by law you must buy a minimum amount of liability insurance. The state required limits are generally very low and most people should consider purchasing much more than the state requirement—the recommended amount of liability protection is about ten times the average state minimum. If you have a new or recent model of car, you likely will also buy comprehensive and collision coverage, which pays for damage to your car due to weather, theft or physical damage to the car. Comprehensive and collision coverages are subject to deductibles; the higher the deductible, the lower your auto insurance premium.
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