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Auto Insurance Quotes Comparison

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To compare car insurance quotes is a daunting task - after all, the world of car insurance is a massive one. There are plenty of agencies to select from, each with their incentives and options.

Which insurance providers will grant you discounts for good grades? Which agencies carry "accident forgiveness"? Should you opt for full coverage or only liability?

Needless to say, comparing auto insurance can be a little overwhelming. You'll need to select the perfect plan for your household that won't cost you too much and will give you the right amount of coverage, so I've managed to take the time and research car insurance quote expectations that you should know as you're searching for cheap and valuable car insurance policies.

Auto Insurance Quotes Comparison: Why Car Insurance?

Only two states do not require motor vehicle insurance: New Hampshire and Virginia. However, New Hampshire vehicle owners must fulfill a personal responsibility requirement - in other words, the vehicle's owner needs to prove they are capable of paying in the event an accident occurs. In Virginia, vehicle owners are required to pay an uninsured motorist fee.

Because driving can be a dangerous activity - according to, 989 people were killed and 62,805 people were injured in the United States due to traffic accidents in 2015 - you need car insurance to cover not only the cost of vehicle repairs but also any potential medical bills and property damage costs.

From the same site, the total cost of traffic accidents in 2016 in the U.S. stood at a whopping $6,162,875,672. Yes, billions. The numbers propose a simple message: we need to remain careful drivers and responsible policyholders.

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Compare Car Insurance Quotes: What to Consider

1. Location

The location is important. If you're in a densely populated area, such as New York City or Washington, D.C., then you're more of a risk to insurance companies. As a result, you'll pay more for your coverage. Not only that but vehicle owners who live in areas that are susceptible to natural disasters, such as hurricanes and flooding, are also more prone to file claims. This results in higher premium prices.

Unfortunately, the only way to save money is to move to a less accident-prone or rural area.

2. Credit History

Your credit score plays a role in determining the cost of your premium. Insurance companies tend to pull up your credit score, because they acknowledge the fact that the higher your credit score is, the less likely you are to file a claim. That's why those with poor credit scores are going to be charged more, except in states where the practice is illegal (California, Hawaii, and Massachusetts).

Of course, you can always raise your credit score by paying your bills on time and reducing balances on credit accounts.

3. Driving Record and History

Your driving habits are a major factor in your premium cost. How often do you drive? Are your distances short or long? Where is your car typically parked?

Well, it goes without saying, but the less you drive, the less of a risk you are as dictated by the insurance company. Some insurance companies go so far as to provide coverage specifically for low-mileage vehicles.

To save money, consider taking public transportation, carpooling, or even biking to desired locations.

Furthermore, your driving history plays a significant role in your premium. Obviously, the more tickets and violations you have racked up on your record, the higher your rates will become. According to Forbes, premiums rise:

  • 93 percent with a DUI
  • 82 percent with reckless driving
  • 27 percent with careless driving
  • Between 21 percent and 30 percent with speeding
  • 19 percent with failure to stop
  • 19 percent increase with failure to yield to pedestrians
  • 18 percent driving in a carpool lane

In other words, it's in your best interest to avoid any of these violations in order to maintain an affordable premium, especially DUI and reckless driving violations (not that the other violations are much better).

4. Demographics

This is, unfortunately, a factor that doesn't feature much wiggle room for change. Demographics include your sex, age, and marital status. A married female who is over the age of 25 will likely pay less for her premium than an unmarried male under the age of 25. The only way to save money regarding this factor is to marry, but marrying for the sole purpose of lowering car insurance premiums is a silly reason to marry someone, isn't it?

5. Your Vehicle

This is another major player in the pricing of your insurance premium. Is your car new or used? Is your car a luxury vehicle? What is the safety rating of your vehicle? Or even its age and size? These are factors that are taken into consideration. And despite what you have heard about the color of the car being factored into the premium, don't believe it. The red car myth? According to Loretta Worters, vice president of communications for the Insurance Information Institute, and as reported by CNBC:

"Color has nothing to do with rates. I guess that myth just keeps perpetuating."

To add onto the statement is Geico:

A red car won't cost you more than a green, yellow, black, or blue car. Insurers are interested in the year, make, model, body type, engine size and age of your vehicle. How you're perceived based on the color of your car is another matter.

In fact, there are some insurance agencies that won't even ask you what the color of your car is.

6. Coverage

Of course, there is the coverage itself to weigh. There are two numbers to analyze when you're shopping for the coverage that suits you: the limits and the deductible. The limits are situated in the following forms: $XXXXX/$XXXXX or XXX/XXX. Sometimes there is a third number attached to the limits. The first number is the maximum your auto insurance will pay per person and the second is the maximum your auto insurance will pay per accident. The third is how much the agency is willing to pay up to for property damage. For instance, if you select $25,000/$50,000/$10,000 (or 25/50/10) as your policy, your auto insurance will cover up to $25,000 per person, $50,000 per accident, and $10,000 for the property.

The second number to factor in is the deductible, or how much you'll pay out of your own pocket when making a claim.

Of course, you don't want to overpay or underpay, so take into special consideration how much you're willing to pay out of pocket.

Cheap Car Insurance Quotes: The Comparison Tool

One way to scout out the best car insurance companies is to rely on a widely-circulated tool: the car insurance comparison tool. There are many benefits to shopping through a comparison tool:

  • You are able to shop for auto insurance from anywhere you'd like, even from your couch.
  • You will be able to compare and contrast policies with ease in a matter of minutes and even instantly buy a policy when you've settled on it.
  • You can view customer service ratings and other additional information on auto insurance companies.

However, there are some disadvantages to price comparison tools. Depending on the tool, you may have to give up your phone number and/or e-mail, which may mean a lot of phone calls from potential agencies. As a result, you might receive quite a few phone calls and quite a few e-mails. Of course, this doesn't apply to all comparison companies. Some do not require your phone or e-mail until you have decided on a specific agency.

With online comparison tools for auto insurance, such as The Zebra, you may begin by selecting your vehicle's year, make, and model, and then fill out a profile that will contain information such as your birthdate, credit score, marital status, and gender. You will also have to answer questions such as whether or not you've had any accidents or tickets in the last five years.

Which insurance providers will grant you discounts for good grades? Which agencies carry "accident forgiveness"? Should you opt for full coverage or only liability?

From there, you will have to describe your vehicle/s and decide what coverage you'd like. For example, some comparison tools list the available agencies and the prices, but other tools add a list of features to the agencies, as well as ratings. These features and ratings allow you to decide what you opt for. For instance, I may opt for State Farm instead of AAA simply not only because State Farm is more affordable at the moment, but the provider also includes an incredibly friendly mobile service, 24/7 support, a Drive Safe and Save program, rental car coverage, and even travel expenses coverage.

Overall, if you want to save time, energy, and potentially money, then please consider using an auto insurance price comparison tool.

be sure to use car insurance if you plan to go offroad

How to Save Money on Car Insurance

Saving money is important. Money that is used towards car insurance could instead be used towards other bills or luxurious goods that you deserve to treat yourself to once in awhile. So how can you save money on your insurance premium?

Consider your state's minimum coverage

One way to save money on car insurance is to consider your state's minimums. Unfortunately, while the cost is cheap, it won't save you in the event you encounter a dreaded claim. If you choose the state minimum, which has a high deductible but cheaper premiums, you'll be paying more out of pocket for the vehicle before you can even apply for the claim. It's always best to consider adopting a policy that is more than the state's minimum.

Take advantage of discounts

Yes, there is a discount for just about everyone. First of all, you could always bundle the coverage together in order to save money. For instance, you can save with a multi-car discount, a home and car discount, or a car and life discount.

You can also save by applying to the following discounts:

  • Alternative Fuel
  • Electronic Stability Control
  • Anti-Theft
  • Anti-Lock Brake
  • New Car
  • Economy Car
  • Farm Vehicle
  • Accident Free
  • Prior Insurance
  • Long-term Policyholder
  • Defensive Driving Course
  • College Graduate Discount
  • Affinity Group
  • Resident Student Discount
  • Good Student Discount
  • Organization or Club Membership Discount
  • Low Mileage

And much more! Of course, you can also save by taking advantage of a telematics device, which connects to your vehicle's onboard computer and monitors speeds, acceleration, braking, and turning. Good behavior means more saved!

Constantly review your policy as your car ages

Sometimes you don't need collision and comprehensive coverage if your car is depreciating in value. It's not worth it if your car is worth very little. It will save you more in the end, especially if you're preparing for a newer car.

Consider thieves into the equation

Thieves often steal cars, and they tend to target certain cars over others due to the value of the parts. Your car's make and model may have an impact on the premium you purchase. According to National Insurance Crime Bureau, America's 10 Most Stolen Vehicles for the year of 2015 are the:

1. 1996 Honda Accord (52,244)

2. 1998 Honda Civic (49,430)

3. 2006 Ford Pickup (Full Size) (29,396)

4. 2004 Chevrolet Pickup (Full Size) (27,771)

5. 2014 Toyota Camry (15,466)

6. 2001 Dodge Pickup (Full Size) (11,212)

7. 2014 Toyota Corolla (10,547)

8. 2015 Nissan Altima (10,374)

9. 2002 Dodge Caravan (9,798)

10. 2008 Chevrolet Impala (9,225)

Don't even consider falsifying information on your policy

This may not be a money saver, but it's more of an important note. Sure, you can save a few bucks by providing information that you're not completely honest about, but if you're caught, you could face higher insurance rates or even be dropped from the company. It's not worth it, in the end, so make sure you provide your insurance agent with all the honest and necessary information.

Of course, there are other ways to save, but be sure to look at every angle when you're attempting to purchase the cheapest car insurance policy possible.

car insurance quote for drivers with pets

Compare Car Insurance Recap

Comparing car insurance is made much easier nowadays thanks to the increasing presence of car insurance comparison tools online. Car insurance comparison tools not only compare prices but also ratings and features, bringing you peace of mind as you search for the policy that fits you best.

Not only that but if you're searching for cheap car insurance, you need to also think about how you can save on car insurance. If you're scouting around for a new car, consider the car you're purchase. Make an effort to lower your credit score. Take advantage of the myriad of discounts an agency offers. Most importantly, drive safe and avoid gaining any tickets or encountering any accidents. This is how you obtain the cheapest policy possibly offered to you.