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Tanvin Vohra is the managing editor of a magazine specializing in property and casualty writing. Through her work, Tanwin helps consumers better understand the components of their insurance policies so they can make better purchasing decisions. Tanvin’s work has also been cited by CNBC, Fox Business, Business Insider, Fortune, and MarketWatch.
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John Leach is an insurance editor and has worked in print and online. With years of experience in auto and home insurance, he strives to make these topics understandable to everyone. He holds a bachelor’s degree in linguistics from the University of California, Santa Barbara.
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A licensed insurance agent with over 20 years of experience, Sean Powers is the company’s Vice President of Sales and Operations. With his experience, Sean is committed to helping clients make informed and informed decisions about their insurance policies. Sean previously spent 15 years at Answer Financial (an Allstate company) as Vice President of Sales and Operations.
Auto insurance rates vary widely, so it’s important to compare quotes before purchasing a policy. Your rate is determined by many factors such as your age, location, driving experience, education level and the type of car you drive. Each insurance company calculates them differently, so depending on where you get quotes from, you could end up paying a different price for the same policy.
To help you better understand how auto insurance quotes work and how to compare them to find the best policy, we’ve put together a detailed guide with average rates from each major auto insurance company for each state and for different driver groups.
Insurance rates vary greatly by age, with younger drivers paying more than older drivers with more driving experience. Teen drivers have the most expensive car insurance premiums of any age in every state, and drivers under the age of 25 are generally classified as high-risk drivers. Fortunately, some insurance companies are cheaper for young drivers than others.
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Auto insurance experts share valuable insights for drivers of all ages. Check out our car insurance guides, tips, quotes and discounts:
The state you live and drive in has a big impact on the cost of your auto insurance. This is because variables such as legislation, population density, crime rates and weather conditions affect the likelihood of filing a claim.
Your driving history, which includes previous accidents, speeding tickets and drunk driving, gives insurers an idea of your risk and the likelihood that you will file a claim.
Generally, those with an imperfect driving record are considered risky and charge higher auto insurance rates. However, some companies specialize in high-risk driver insurance and offer affordable rates.
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Drivers caught driving under the influence typically pay 30 percent more for their car insurance policies than drivers with clean records.
For those with a DUI, it may also be difficult to find an insurance company willing to file an SR-22 on their behalf. Check out some of the cheapest SR-22 insurance deals below:
An accident that is your fault can cause your car insurance rates to increase by 20 percent. However, some companies offer accident forgiveness programs for drivers with a clean record, which ensures that your rates stay the same even after an accident.
As a result, insurance takes into account your credit history in most states. Five states — California, Hawaii, Massachusetts, Michigan and Washington — prohibit insurance companies from using your credit to determine rates.
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Regardless of your credit level, there are always steps you can take to find cheap car insurance. Find more resources for finding cheap auto insurance here:
The make and model of your car affects your insurance rate, depending on how easy it is to replace car parts and how much repairs typically cost. Because of this, luxury cars are more expensive to insure than standard models. In general, sedans are the most expensive vehicle to insure, while minivans are the cheapest.
Your car insurance quote takes several factors into account. Some of these seem obvious, like your driving history and the value of your car, but others are less obvious. Check out some of the lesser-known factors that affect auto insurance rates:
Some auto parts are expensive to replace and can potentially increase your insurance premium. As a rule, for this reason, foreign cars are more expensive to insure than domestic cars.
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Your estimated annual mileage shows how long you’ve been on the road and therefore how much risk you’re at. Low mileage drivers typically pay less for car insurance than high mileage drivers.
Auto insurance companies offer discounts on certain features, but those features don’t always make your auto insurance cheaper. Additional safety features are expensive to repair or replace.
Auto insurance also considers how you use your vehicle. A car used to commute to work or school will be more expensive to insure as you are more likely to drive during rush hour.
Filing claims, whether it’s an accident you weren’t at fault for or a wing bend where you were at fault, can increase your insurance premiums. The more claims you make, the more risk you have to insure.
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Car insurance is a fixed monthly payment that you pay when you plan to drive. There’s no point paying more than you need to. The best way to find the cheapest auto insurance policy is to get quotes from several insurance companies and determine the one that offers you the best deal.
Finding a reputable car insurance company that fits your budget and provides reliable coverage, quality customer service and timely claims management is a challenge. Here are some factors to consider when comparing insurance companies:
ICSThe Posite Score is a private ranking calculated by a team of data scientists that measures multiple factors that reflect the quality, reliability and health of an insurance company. Inputs to the valuation include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s and Fitch; Rated Power JD; customer reports, customer satisfaction surveys and customer complaints; Mobile App Reviews; and user reviews about the company.
In order to get the information you are looking for, these sites may ask you for a number of details in order to get an accurate price. This includes:
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In your search for the perfect policy, be aware of which sites provide your personal information. Many of them are lead generation websites that exist to sell your data, leaving you with an inbox full of spam.
To avoid wasting your time and details, check out our list of the best insurance comparison sites to find sites that will help you save time and money while keeping your data safe.
Most companies offer policy holders the opportunity to save with discounts. From good drivers to mature drivers, you can most likely get a discount or two if you know what to look for. Auto insurance comparison sites usually include these discounts when displaying rates.
Auto insurance policies are not universal. Most auto insurance policies include six basic types of car insurance and a few extras.
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Auto liability insurance is required by law in almost all states. If a driver is found at fault in a car accident, this type of coverage can help compensate for the other driver’s car and any related medical bills for other parties involved.
Personal Injury Protection, sometimes abbreviated as PIP, covers medical bills and lost wages for you and your passengers in the event of an accident. PIP, also known as no-fault insurance, can help cover these bills regardless of who was at fault in the accident.
Medical payment coverage, known as MedPay, is usually offered in states without PIP. MedPay is a stripped-down version of PIP that helps cover hospital bills for you and your passengers after an accident, even if you’re not in the car.
Uninsured or underinsured motorist insurance comes into play when you are the victim of an accident or you are involved in an accident where the driver does not have enough coverage to cover your losses. This coverage is currently required in 22 states.
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Collision insurance covers damages if your vehicle collides with another vehicle or object. If you drive a car with an auto loan or other financing plan, you may need to purchase accident insurance.
Comprehensive coverage comes into effect when your vehicle is damaged in a non-collision event. This includes vandalism, theft, weather-related damage and other natural disasters. This isn’t usually required, but your lender will usually require it if you don’t own the car.
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